
Topic
Small Business Loans Explained: SBA, Banks and Alternatives
SBA caps a 7(a) lender’s margin at prime plus 3.0 to 6.5 points by loan size, and prime stood at 7.00% in October 2026. Here is how the guarantee, the caps, and bank pricing compare.

SBA caps a 7(a) lender’s margin at prime plus 3.0 to 6.5 points by loan size, and prime stood at 7.00% in October 2026. Here is how the guarantee, the caps, and bank pricing compare.