New SBA Rules Restrict Loan Eligibility for Small Businesses
美國小企業管理局新規定限制小型企業貸款資格
As of early 2026, the U.S.
截至2026年初，美國小企業管理局（SBA）針對其主要貸款計劃（包括7(a)貸款和504貸款）實施了重大政策變更。
Small Business Administration (SBA) has implemented major policy changes regarding its primary loan programs, including the 7(a) and 504 loans.
一項主要更新是「100%美國公民身分要求」[規則]，該規則規定所有企業主（即使僅持有1%股份者）必須為美國公民或國民。
A primary update is the [100% U.S.
因此，[合法永久居民|群體]已不再有資格參與這些計劃。
Citizenship Requirement|rule], which mandates that all business owners—even those with a 1% stake—must be U.S. citizens or nationals.
此外，所有申請人必須在美國境內維持其[主要居所|地點]。
Consequently, [Lawful Permanent Residents|group] are no longer eligible for these programs.
SBA表示，這些規則旨在將有限的聯邦資金優先分配給美國公民。
Furthermore, all applicants must maintain their [principal residence|location] within the United States.
這些隨著趨向更保守的貸款方針而來的調整，已對小型企業產生了重大影響。
The SBA states these rules aim to prioritize American citizens for limited federal funding.
7(a)計劃的貸款額在2026年初下降了18%，許多企業家現在轉向[替代性非銀行融資|解決方案]以確保資金。
Lending volume under the 7(a) program fell by 18% in early 2026, and many entrepreneurs are now turning to [alternative, nonbank financing|solution] to secure capital.
