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[quote=Anonymous]Amazing how people deflect and think government has no limits

In Fiscal Year 2025, the SBA 7(a) program saw unprecedented demand, eventually exceeding its initial $35 billion authorization limit.

Utilization vs. Spending Authority (FY 2025)
Final Volume: The program closed the year with approximately $37 billion in 7(a) loan guarantees.

The "Ceiling" Issue: Historically, the program has a $35 billion annual limit. Because demand was so high—with Q2 2025 alone hitting over $10 billion in approvals—the agency was on track to hit its cap well before the September 30 deadline.

The 15% Buffer: To prevent a total program shutdown, the SBA Administrator has the statutory authority to increase funding authority by up to 15% if the cap is reached. This flexibility allowed the SBA to accommodate the extra $2 billion in volume without stopping lending. 
Historical Comparison

For most of the last decade, the program has stayed safely below its limits, but recent years have shown a steady climb: 
FY 2023: $27.5 billion utilized.
FY 2024: $29.1 billion utilized.
FY 2025: $37 billion utilized (surpassing the standard $35 billion cap).

Smart move to focus on US citizens [/quote]

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