SBA micro loans · Full breakdown

SBA micro loans up to $50,000, packaged and submitted for you

The smallest SBA loans are also the fastest decisions in the system, and most owners never hear about them because banks don't chase $50,000 files. Our lending partners run a dedicated micro lane. We package the file, submit it complete, and work it to a decision. You never pay us a fee.

Up to $50,000The micro lane ceiling

6 documentsThe full submission checklist, below

$0What Break Bread Lending charges you

Start Your Application Book a Free Funding Strategy Call

This page is part of our SBA loans overview.

The short version

What this lane is, and what it's not

This is an SBA 7(a) loan in its smallest form, submitted through our lending partners for established businesses that need $50,000 or less. It's not the government Microloan program run by nonprofits, and it's not a merchant cash advance: it's a real SBA loan, with SBA terms, at a size most lenders won't bother with. Because the file is small, the checklist is short and the decision is the fastest one the SBA system produces.

What the money covers

Built for the everyday uses

The micro lane funds the working purposes small businesses actually have. The application asks you to allocate the funds across the uses that apply:

People

Hiring employees

Bring on the hire the business has been deferring, with the payroll covered while they ramp.

Growth

Marketing

Fund the campaign, the signage, the website work: the spending that brings customers in the door.

Equipment

Equipment repairs

Fix or replace the machine the operation depends on, instead of renting, patching, or losing days.

Operations

Materials and supplies

Stock up ahead of a busy season or a big order, at SBA rates instead of supplier or card rates.

Cushion

Working capital

A general buffer for the gap between paying for work and getting paid for it.

Terms

Real SBA structure

Monthly payments over years, not daily or weekly debits. Rates are tied to the Prime rate under SBA caps.

The checklist

Exactly what a micro submission takes

No mystery list, and nothing gets submitted until the file is complete. This is the actual checklist our partners underwrite from:

The application

A completed SBA loan application and the short business questionnaire: what the funds are for, the business history, and the ownership.

SBA Form 1919

The SBA borrower information form for every owner. We prepare it with you so it's right the first time.

Three months of bank statements

The most recent business bank statements, showing the revenue rhythm the loan will be repaid from.

Tax returns and ID

Two years of business tax returns, one year of personal returns, and a photo ID, front and back, for each owner.

Two years of tax returns means this lane is for established businesses, not brand-new ones. If your business is younger than that, tell us anyway: other lanes fit earlier-stage companies, and we'll say so plainly.

Why owners come to us for a $50,000 loan

Small loan, serious packaging

A $50,000 SBA file gets declined at a bank for a boring reason: it pays the bank the least and still has to clear the same underwriting, so it sits. Our partners built a lane for exactly this size, and our job is to make the file effortless to approve: complete documents, the use of funds allocated cleanly, and the coverage math shown up front. Small files decided fast are also how relationships start. A business that funds $50,000 cleanly this year is the business we help fund $250,000 next year.

And the economics are simple. We never charge you a fee for an SBA loan. Our lending partners pay us out of their closing fees, disclosed in your paperwork, which means we work for you, at no charge.

Get your SBA file packaged right.

Start the short application, or book the free 20-minute Funding Strategy Call and get a straight answer on fit. Both cost nothing, and neither obliges you to anything.