美國小企業管理局變更申請要求
U.S. Small Business Administration Changes Application Requirements
Updated at: June 13, 2026 at 02:00 AM
美國小型企業署（SBA）對其申請要求進行了重大更新，標誌著朝向更嚴謹、以證據為導向的流程轉變。
The U.S.
這些變動影響了兩個主要領域：8(a)企業發展計畫與SBA擔保貸款計畫。
Small Business Administration (SBA) has implemented significant updates to its application requirements, marking a shift toward more rigorous, evidence-driven processes.
關於8(a)計畫，SBA提議取消社會弱勢的「可反駁推定」。
These changes affect two primary areas: the 8(a) Business Development Program and SBA-guaranteed loan programs.
申請者現在必須提供客觀、可查證的歧視證明，而非僅僅依賴群體歸屬。
Regarding the 8(a) program, the SBA has proposed removing the "rebuttable presumption" of social disadvantage.
雖然這增加了準備負擔，但現有參與者不受影響。
Applicants must now provide objective, verifiable proof of discrimination, rather than relying solely on group affiliation.
同時，7(a)與504貸款計畫收緊了資格標準。
While this increases the preparation burden, current participants remain unaffected.
自2026年3月起，企業必須由美國公民或國民百分之百持有，這實質上排除了合法永久居民。
Simultaneously, the 7(a) and 504 loan programs have tightened eligibility criteria.
此外，新的承銷標準要求35萬美元以下的貸款需具備至少1.1:1的債務償還能力比率（DSCR），且貸款機構現在必須執行強化身份驗證。
As of March 2026, businesses must be 100% owned by U.S. citizens or nationals, effectively excluding lawful permanent residents.
這些調整需要仔細的策略規劃。
Furthermore, new underwriting standards require a minimum Debt Service Coverage Ratio (DSCR) of 1.1:1 for loans under $350,000, and lenders must now perform enhanced identity verification.
申請聯邦支持的企業應優先蒐集8(a)身分的證明文件，並檢視其所有權結構，以確保符合新的公民身分要求。
These adjustments necessitate careful strategic planning.
