What has changed
When a fact on a route page changes, such as a limit, a rate or a rule, it is recorded here and on that page, with the date. Every route is also checked against its sources at least every 180 days, and shows when it was last checked. For changes still on their way, see Watch.
- USDA Business and Industry loan guarantees
Added USDA's new SPUR loan guarantees for meat, poultry and seafood processing plants, open from October 27, 2026 in rural areas and cities: a 90% guarantee for fiscal year 2027, with the same fees.
- USDA grants for rural businesses and farmers
REAP's new rule (October 16, 2026): grants come after a project has run for a year, up to $500,000 and at most 25% of the cost.
- Asset-based lending
Checklist adds a search of liens already filed against the business, which the OCC says a lender should run before it lends.
- SBA 504 loans
Marijuana businesses, medical or recreational, are listed as not eligible even where the state allows them (SOP 50 10 8.1), and the fit finder now says so.
- SBA 504 loans
Checklist now follows SOP 50 10 8.1: SBA Forms 1244 and 413, recent financial statements, a debt schedule, credit reports, IRS Form 4506-C and the articles.
- SBA 7(a) loans
Marijuana businesses, medical or recreational, are listed as not eligible even where the state allows them (SOP 50 10 8.1), and the fit finder now says so.
- SBA 7(a) loans
Checklist now follows SOP 50 10 8.1: SBA Forms 1919 and 413, 3 years of financial statements, a debt schedule, IRS Form 4506-C, collateral and the articles.
- SBA export loans
Marijuana businesses, medical or recreational, are listed as not eligible even where the state allows them (SOP 50 10 8.1), and the fit finder now says so.
- SBA Express loans
Marijuana businesses, medical or recreational, are listed as not eligible even where the state allows them (SOP 50 10 8.1), and the fit finder now says so.
- SBA lines of credit (CAPLines and others)
Marijuana businesses, medical or recreational, are listed as not eligible even where the state allows them (SOP 50 10 8.1), and the fit finder now says so.
- USDA Business and Industry loan guarantees
The fit finder now holds this route back for farms and ranches, since the program does not cover most farming itself, and points them to USDA's farm loans.
- SBA Microloans
Cooperatives can borrow too: microloans go to small businesses eligible for SBA loans (13 CFR 120.707), and the SBA's definition of a business concern includes cooperatives (13 CFR 121.105).
- Supplier trade credit
No longer says it is only for businesses that sell to other businesses: trade credit is what a business gets when it buys from another business, whoever its own customers are.