Author
Mario Bailey
Founder, SBA Loan Index
Mario Bailey
Founder, SBA Loan Index
Mario Bailey is the founder of SBA Loan Index, which analyzes the SBA's complete public 7(a) and 504 loan record to make small-business lending legible. He has a background in banking and financial services. He is not a CPA, CFP, or attorney, so everything here is informational only, not individualized financial advice.
Connect on LinkedInWhat I cover
SBA 7(a) loans SBA 504 loans Commercial lending Small business finance
Research
- Is SBA 7(a) lending concentrating?
- What predicts an SBA loan charge-off?
- Which industries create the most jobs per SBA dollar?
Guides
- How SBA Loans Work: 7(a) vs 504
- Who Qualifies for an SBA Loan?
- How to Choose an SBA Lender
- How to Apply for an SBA Loan, Step by Step
- SBA Loan vs Conventional Business Loan
- Why SBA Loans Get Denied (and How to Improve Your Odds)
- SBA Loan Down Payment and Equity Requirements
- The SBA 504 Loan, Explained
- SBA Loan Requirements: What You Need to Qualify
- Types of SBA Loans: 7(a), 504, Microloans, and More
- SBA Loans to Buy a Business: The Acquisition Data and the Rules
- Can You Get an SBA Loan to Start a Business? What 265,843 Startup Loans Show
- SBA Loan vs. ROBS: Using Retirement Funds to Fund a Business
- SBA Loans for First-Time Business Owners
- SBA Express Loans: Faster, Smaller SBA Financing
- How the SBA Guarantee Actually Works
- SBA CAPLines: Working-Capital Lines of Credit
- SBA Export Loan Programs: EWCP, Export Express, International Trade
- SBA Community Advantage Loans: Current Status and Terms
- SBA Microloans: How the $50,000 Program Works
- SBA Disaster Loans: Physical Damage and EIDL, Explained
- SBA Loan Refinancing: Using an SBA Loan to Refinance Debt
- SBA Loan for a Franchise
- What Credit Score Do You Need for an SBA Loan?
- Can You Get an SBA Loan with Bad Credit?
- Do SBA Loans Require Collateral?
- Can You Have More Than One SBA Loan?
- Do SBA Loans Have a Prepayment Penalty?
- SBA Loans for Veterans: Programs and Help
- SBA Loan Underwriting: What Actually Happens to Your File
- Can You Get an SBA Loan After Bankruptcy?
- Can a Self-Employed Person Get an SBA Loan?
- SBA Loans for Women-Owned Businesses
- SBA Loans for Minority-Owned Businesses
- SBA Loan Limits: The Maximum You Can Borrow (2026 Update)
- SBA Loan Documents: The Complete Checklist for a 7(a) Application
- SBA Loan Pros and Cons: The Honest Ledger
- The SBA Personal Guarantee, Explained Precisely
- What Happens If You Default on an SBA Loan
- The SBA 60-Day Demand Letter: What It Is and What to Do Now
- When an SBA Loan Goes to Treasury: Cross-Servicing, Offsets, and Garnishment
- SBA Loan Deferment: The First and Cheapest Ask When You Can't Pay
- The Tax Bill After an SBA Settlement: 1099-C, Form 982, and Insolvency
- Hiring Help for an SBA Loan Workout: Who Does What, Fees, and Scam Tells
- Can't Pay Your EIDL Loan? How COVID EIDL Default Actually Works
- The EIDL Hardship Accommodation Plan: What Replaced It in 2026
- The $200,000 Line: COVID EIDL Personal Guarantees, Explained
- PPP Loan Default in 2026: Unforgiven Balances and the Fraud Line
- Can a Non-U.S. Citizen Get an SBA Loan?
- SBA Default and Your House: What the Personal Guarantee Actually Exposes
- Bankruptcy and SBA Loans: The Debt Is Generally Dischargeable
- Closing a Business With an SBA Loan Outstanding: The Wind-Down Sequence
- Is There a Statute of Limitations on SBA Loans?
- Paying Off an SBA Loan: Payoff Letters, Lien Releases, and the Paper to Keep
- Can You Get an SBA Loan With a Criminal Record?
- Can a Nonprofit Get an SBA Loan?
- Selling a Business With an SBA Loan: Payoff at Closing or Assumption
- Changing Ownership With an SBA Loan Outstanding: Who Has to Approve What
- SBA Loan Collateral Releases and Subordination: Living Under the Lien
- What Happens to an SBA Loan When the Owner Dies or Becomes Disabled
- SBA Loans and Taxes: What Is Income, What Is Deductible, What Is Neither
- The SBA Loan Closing Process: From Approval to Funded
- SBA Loan Servicing: Who Handles Your Loan After It Closes
- The SBA Offer in Compromise: How to Settle a Defaulted SBA Loan
- SBA Loan vs. Term Loan
- SBA Loan vs. Business Line of Credit
- SBA Loan vs. Merchant Cash Advance
- SBA Loan vs. Online Lenders
- SBA Loan vs. Equipment Financing
- SBA Loans for Commercial Real Estate: The 504 Data and the Occupancy Rule
- SBA Loans for Working Capital: Term Loan or Line of Credit?
- SBA Loans for Equipment: 504, 7(a), or Straight Equipment Financing
- SBA Loans for Construction: Ground-Up Financing and the Builders CAPLine
- SBA Loan Alternatives: What Actually Exists If You Don't Qualify
- SBA Loan Packaging Fees: Rules, Disclosure, and Borrower Protections
- What to Do If Your SBA Loan Is Denied
Mario Bailey is not a CPA, CFP, or attorney. Everything on SBA Loan Index is informational only
and not individualized financial advice. For questions or corrections, use the
contact page.