Every U.S. government lending program, in one place.
Today, U.S. lenders, from SBA 7(a) and 504 to USDA and state loan guarantees, struggle to understand what each program requires and to keep up when the rules change. Kita compiles every program's SOPs, requirements, required documents and updates in one place, each linked to its official source, so it's simple for lending teams to know what every file needs.
Find a program
Federal programs
State programs
More federal and state programs are coming soon, added as each one is researched and checked.
By state
Each state runs its own programs, most of them funded through SSBCI. Pick a state on the map for its programs; more states are added as each one is researched.
- CACalifornia4 programs
- FLFlorida4 programs
- ILIllinois3 programs
- MIMichigan4 programs
- NYNew York4 programs
- TXTexas3 programs
We’re researching every state’s programs and add each one as soon as it’s checked. The federal programs above work in all of them today. Tell us which state you need next.
What changed
- Procedural notice
Procedural Notice 5000-883564: equity flexibility for veteran business acquisitions and related SOP 50 10 8.1 revisions
For changes of ownership where veterans will own at least 50% after the transaction, standby debt, seller debt on full standby and non-controlling minority equity may supply up to 100% of the required equity injection (normally capped at half) for loans that receive an SBA loan number from November 11, 2026 through September 30, 2027. The minimum injection itself is not reduced. The notice also limits refinancing of a lender's own 7(a) loan to non-delegated processing, requires review of personal credit reports for every natural-person co-borrower and guarantor regardless of ownership, and allows an evaluation instead of an appraisal for commercial real estate securing 7(a) Small and SBA Express loans unless related parties are involved or an appraisal is needed.
What to do: For veteran acquisitions using this flexibility, record each owner's veteran status in the SBA loan system and identify every equity source by type, provider and amount in the credit memo. Route any refinance of your own 7(a) loan through non-delegated processing, and pull personal credit reports for all natural-person co-borrowers and guarantors.
Effective Nov 11, 2026Read the source - Information noticeSSBCI· Advantage Illinois LGP· Advantage Illinois PLP· NY CPLF· Illinois Climate Bank PLP· and 11 more
Treasury sets final modification deadlines and post-2028 rules for SSBCI Capital Programs
New FAQs say jurisdictions may request material program modifications until September 30, 2027, and Treasury does not expect to act on administrative changes submitted after December 31, 2027. After Treasury's authority ends on March 11, 2028, funds already disbursed stay with the jurisdiction. Allocated funds used for the first time after that date must still follow the SSBCI statute, Allocation Agreement and Guidelines, apart from listed provisions. Returned funds and program income are generally freed from SSBCI rules, and jurisdictions may change their programs without Treasury approval.
What to do: Expect state SSBCI programs to keep running after March 2028, possibly redesigned. For each loan, ask the state administrator whether it is funded with SSBCI allocated funds, which still carry SSBCI certifications and customer protection limits, or with returned funds or program income.
- Information notice
SPUR Guaranteed Loan Program opens for FY2027 under the OneRD rule
The Rural Business-Cooperative Service began accepting applications on October 27, 2026 for the Strengthening Processing for US Ranchers (SPUR) Guaranteed Loan Program, with at least $5 billion in loan level beginning in FY2027. SPUR is designed like B&I and administered under 7 CFR part 5001, but it is limited to meat, poultry and seafood processing, has no geographic restriction, carries a 90% guarantee, a 3% guarantee fee, a 0.55% retention fee and a 0.5% fee for a guarantee before construction completion, and requires the lender to hold at least 10% of the loan.
What to do: For meat, poultry or seafood processing deals, including urban ones, compare SPUR with B&I and talk to the Rural Development State Office before applying. Plan for the 10% minimum retention instead of B&I's 7.5%.
- Information notice
DCEO clarifies Section M borrower reporting in the Master Agreements
DCEO restated that Section M of the Master Participation and Master Guarantee Agreements requires each loan agreement to make the borrower report annually to DCEO on jobs, post-closing investment, and prior-year revenue and net income. Starting with the CY2027 annual reporting cycle, DCEO expects to add these fields to lender reporting, which until now covered only subsequent private financing. Broader agreement language changes will come with the next agreement revision.
What to do: Confirm your loan agreements include the Section M borrower reporting covenant and plan to collect jobs, investment, revenue and net income data for the CY2027 reporting cycle.
- Information notice
Advantage Illinois receives its third SSBCI tranche
DCEO announced that Advantage Illinois has received its third tranche of SSBCI funding from Treasury, adding resources for the participation and guarantee programs.
What to do: No change to terms was announced. Lenders with eligible deals can continue to submit them.
- Guide
Modification procedures revised: larger reallocations allowed without an Allocation Agreement amendment
Treasury raised the threshold at which moving allocated funds between a jurisdiction's approved programs counts as a material modification from 10% to 20%, so states can shift more money between programs without a formal amendment.
What to do: Program capacity can change faster. Confirm current funding availability with the state program before committing SSBCI support to a borrower.
Effective Oct 20, 2026Read the source - Information notice
SBA Form 1506 Servicing Agent Agreement updated (Information Notice 5000-881291)
SBA revised SBA Form 1506 to conform with Executive Order 14247. The Third Party Lender fee must now be withheld from the CDC processing fee, and borrower payments to the Central Servicing Agent must be by ACH debit or wire only; checks are not accepted. CDCs had a 30-day grace period to use the new form.
What to do: Use the revised SBA Form 1506 for closings after the grace period, withhold the Third Party Lender participation fee from the CDC processing fee, and set up ACH for each borrower.
Effective Oct 1, 2026Read the source - Information notice
SOP 50 10 8.1 issued with Technical Policy Updates (Information Notice 5000-882227)
SBA replaced the SOP 50 10 8.1 text published in August with a version containing technical policy updates, effective for applications received on or after October 1, 2026. Changes include: trusts owning 20% or more in aggregate must each give an unlimited guaranty and the trustor must also guarantee; 7(a) Small and SBA Express may finance changes of ownership under Appendix 15 with an internal valuation allowed at a purchase price of $350,000 or less; working-capital true-ups are not seller rebates; special purpose property acquisitions may use a single loan up to 25 years; a buyer's existing QoE report may be used with a reliance letter or second review; mixed-purpose loans with 51% or more real estate may run up to 25 years; and the annual field examination for Working Capital CAPLines applies at $1,000,000 or more.
What to do: Use SOP 50 10 8.1 with Technical Policy Updates for every application received on or after October 1, 2026, and SOP 50 10 8 for applications submitted through September 30, 2026. Until SBA updates its forms, collect the new certifications and information required by the SOP and keep them in the loan file.
Effective Oct 1, 2026Read the source
Last reviewed Nov 13, 2026. A summary of official sources, linked beside each fact, kept current by Kita each week. Program rules change: confirm against the current source before you rely on a figure. Not legal advice. Spotted something out of date? Email hello@kita.ai.
Run these programs on Kita.
Kita reads the borrower’s tax returns and bank statements, builds the spreads, checks the file against the program’s requirements for what is missing, and drafts the credit memo with every figure cited to its source. Configured to your credit policy. Your underwriter keeps the decision.