The New Financing Bottleneck in Small Business M&A: What Buyers and Sellers Need to Know About SBA's 2026 Ownership Rules
Mergers and Acquisitions, Business Law, SBA Lending Hari Nathan Kalyan Mergers and Acquisitions, Business Law, SBA Lending Hari Nathan Kalyan

The New Financing Bottleneck in Small Business M&A: What Buyers and Sellers Need to Know About SBA's 2026 Ownership Rules

Effective March 1, 2026, the SBA requires 100 percent U.S. citizen ownership for 7(a) and 504 loans, with a six-month lookback. Green card holders are ineligible. Lower middle market buyers and sellers should confirm eligibility before signing LOIs, not after diligence has begun.

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