SBA loans for business associations
NAICS 813910 · Program that usually fits: Usually not eligible
Most business and trade associations are organized as nonprofits, and nonprofits are not eligible for SBA 7(a) or 504 loans. A for-profit company that runs association services can be eligible. Nonprofits should look at CDFI loans or conventional financing instead.
What borrowers use the money for
- Office space
- Event and member-service operations
What to use instead
Look at loans from a CDFI or local loan fund, a bank's nonprofit lending group, or program-related investments from foundations. If you also run a for-profit affiliate, that business may qualify for SBA financing on its own.
Today's rate caps
| Loan amount | Maximum spread | Maximum variable rate today |
|---|---|---|
| $50,000 or less | Prime + 6.5 | 13.50% |
| $50,001 to $250,000 | Prime + 6.0 | 13.00% |
| $250,001 to $350,000 | Prime + 4.5 | 11.50% |
| Over $350,000 | Prime + 3.0 | 10.00% |
Questions
Can a business association business get an SBA loan?
Usually not, because most organizations in this industry are nonprofits, and SBA 7(a) and 504 loans require a for-profit business.
What is the NAICS code for business associations?
NAICS 813910. Lenders use it to check SBA size standards and eligibility.
Sources: SBA 7(a) terms, conditions and maximum variable rates; Federal Reserve H.15 selected interest rates (bank prime loan rate); October 2026 SBA 504 debenture pricing, as published by CDCs; SBA FOIA 7(a) and 504 loan-level data.