SBA Boosts Job Requirements for Small Business Loans
Published Date: 9/30/2025
Notice
Summary
The SBA is updating its 504 Loan Program rules to require more jobs to be created or kept for each loan project and overall portfolio. This change affects businesses using these loans to grow and will start soon, encouraging more job growth with the same loan money. It’s a smart move to boost local economies and help more people find work!
Analyzed Economic Effects
2 provisions identified: 0 benefits, 2 costs, 0 mixed.
Higher Job Targets for 504 Borrowers
If you run a small business that uses SBA 504 loans, the SBA is increasing the dollar amounts used to calculate how many jobs each 504 Project must create or retain. That means each loan project will be measured against a higher jobs requirement when you apply for or use 504 financing.
Higher Portfolio Job-Average for CDCs
The SBA is increasing the dollar amounts used to calculate the portfolio-average number of jobs that each Certified Development Company (CDC) must create or retain. CDCs will be held to a higher jobs-per-dollar average across their 504 loan portfolios.
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Key Dates
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