Strategic Plan Fiscal Years 2026-2030
The U.S. Small Business Administration's strategic plan for fiscal years 2026 through 2030, aimed at modernizing its portfolio of financial services, strengthening financial integrity and accountability, and supporting U.S. economic growth and leadership.
Other Information
Message from the Administrator ~ As the 28th Administrator of the U.S. Small Business Administration (SBA), I am restoring the Agency's mission and ensuring we serve as the America First engine for free enterprise. Small business is big business for America. They drive innovation, create jobs, and sustain thriving communities. It is an honor to serve the 36 million small businesses that power our economy. ... This Strategic Plan sets the course for how the SBA fosters economic growth and job creation. We are expanding capital access for small businesses and modernizing technology and regulations to improve efficiency and customer experience. We are also enhancing disaster assistance to deliver timely, effective support to communities in need. Accountability, transparency, and efficiency remain central to everything we do. ... The SBA Fraud Task Force is focused on preventing, identifying, and recovering fraudulent funds, working closely with other federal agencies to strengthen enforcement and maximize recoveries. We champion Made in America manufacturing, helping restore industrial strength and rebuild resilient supply chains. By partnering with the Office of Advocacy, we are reducing burdensome regulations, and through our contracting and capital programs, helping innovative small businesses grow into competitive mid-sized firms. - Kelly L. Loeffler, Administrator
Who We Are ~ With 36 million small businesses, America's economy thrives on innovation across every industry. Established in 1953 as a standalone federal agency, the SBA was created to preserve free competitive enterprise, strengthen the nation's economy, and support the entrepreneurial spirit that built America. The SBA serves job creators by providing access to capital, disaster assistance, federal contracting opportunities, and business counseling and training. Its district offices are organized into ten regions (Figure 1 of the plan).
Consultations with External Stakeholders ~ Administrator Loeffler has traveled extensively across the United States, meeting face to face with small business owners, workers, local lenders, industry groups, and community leaders, and these conversations shaped the priorities in the plan. The SBA engaged with existing lending partners and reached out to new participants in the Agency portfolio. The Agency maintains close collaboration with Congress, including regular engagement with the House Committee on Small Business and the Senate Committee on Small Business and Entrepreneurship.
About This Plan ~ This Strategic Plan provides the SBA's comprehensive framework for performance management under the America First agenda. It establishes clear strategic goals, objectives, and strategies that guide the Agency's efforts to empower small businesses and rebuild American economic leadership. The plan informs resource allocation and prioritizes accountability and fraud prevention to achieve long-term outcomes. The cover bears the tagline "Make Main Street Great Again!"
OIG Management Challenges (Appendix A) ~ The SBA Inspector General submitted Report Number 25-01, Top Management and Performance Challenges Facing the Small Business Administration in Fiscal Year 2025, on December 18, 2025. The challenges and corresponding strategic objectives are: (I) Protecting the Integrity of SBA Programs - 2.2; (II) Managing SBA's Loan Portfolio and Participating Lenders - 1.1 and 1.2; (III) Measuring Performance in SBA Programs - 2.3 and 2.4; (IV) Managing Data - 1.3 and 2.3; (V) Managing Risks in Information Technology - 1.3. The SBA's FY 2027 Annual Performance Plan identifies actions aimed at addressing the types of fraud, waste, error, mismanagement, and inefficiencies highlighted by the Inspector General.
Notes ~ The plan does not include vision or values statements or performance indicators. Its effective date on sba.gov is April 9, 2026; the direct link to the PDF was not available, so the Source cited is SBA's strategic plan page. Objective names follow the framework in Figure 2 of the plan; some headings differ slightly elsewhere in the document (e.g., the table of contents titles Objective 3.4 "Help innovative small businesses scale into mid-size firms through effective management of government contracting, capital access programs, and resource partners"). Supporting offices for each objective, from Appendix B, are captured as Stakeholders of the objectives; OEMISS and OMT are listed by acronym only because the plan does not spell them out.
Submitter's Note: As per the requirement set forth in section 10 of the GPRA Modernization Act, this StratML rendition was compiled from the source by Claude.ai and can be edited in the form at https://stratml.us/forms/Claude/Part1.html. Source: https://www.sba.gov/document/support-sba-strategic-plan
🏢U.S. Small Business Administration SBA Established in 1953 as a standalone federal agency to preserve free competitive enterprise, strengthen the nation's economy, and support the entrepreneurial spirit that built America, the SBA serves job creators by providing access to capital, disaster assistance, federal contracting opportunities, and business counseling and training.
Stakeholders:
👤 👥 👥 👥 👥 👥 🏢 🏢 🏢 🏢 🏢 🏢 🏢 🏢 🏢 🏢 🏢 🏢 🏢 🏢 👤 🏢 🏢 🏢 🏢 | Source & SubmitterSource:https://www.sba.gov/document/support-sba-strategic-plan Period: to Published: |
Mission
The U.S. Small Business Administration (SBA) empowers American entrepreneurs to start and grow resilient businesses that drive economic prosperity, create jobs, and strengthen communities nationwide through free enterprise.
Goal 1: Financial Services 🔗
Modernize Portfolio of Financial Services.
Other Information
Overview ~ Strategic Goal 1 focuses on modernizing the SBA's financial services portfolio to better support America's small businesses. The Agency will prioritize capital access through flagship programs such as the 7(a) and 504 loan guaranty programs, while also advancing the Small Business Investment Companies (SBIC) program. Efforts will improve disaster recovery assistance, upgrade technology systems, and reduce regulatory barriers to create a more accessible, user-friendly experience for borrowers and lenders with strong safeguards to protect against fraud. These modernization efforts will also reinforce the connections between entrepreneurs, partners, and SBA programs, helping small businesses navigate pathways from concept to capital.
Objective 1.1: Capital Access 🔗
Prioritize capital access for small businesses across programs.
Stakeholders:
👥Small Manufacturers
👥Lenders
🏢Office of Capital Access (OCA) : Supporting Office
🏢Office of Investment and Innovation (OII) : Supporting Office
🏢Office of Field Operations (OFO) : Supporting Office
Other Information
Context ~ The SBA will prioritize and expand access to capital for small businesses through its flagship 7(a) loan guaranty and SBIC programs. The Administration supports raising loan limits specifically for small manufacturers within the 7(a) and 504 programs to align with the President's domestic manufacturing agenda and the Made in America Manufacturing Initiative. These efforts aim to strengthen American economic leadership and national security by empowering small manufacturers to bring back U.S. industry and jobs. The Agency will also develop targeted initiatives to facilitate working capital access. Modernizing the servicing systems for 7(a) and 504 loans will improve customer experience, while deregulatory actions will streamline core processes, stimulating the flow of private capital and long-term financing vital to small businesses and start-ups. Additionally, the SBA will expand outreach and training to grow its lender network and reengage financial institutions. Figure ~ Figure 3 of the plan charts growth in SBA 7(a) and 504 program lending, FY 2005-2025 (dollars in billions). OIG Management Challenge(s) ~ II. Managing SBA's Loan Portfolio and Participating Lenders. Supporting Office(s) ~ OCA, OII, OFO.
Objective 1.2: Disaster Recovery 🔗
Deliver responsive disaster recovery assistance.
Stakeholders:
👥Rural and Hard-to-Reach Communities
🏢Office of Disaster Recovery and Resilience (ODR&R) : Supporting Office
🏢Office of Capital Access (OCA) : Supporting Office
Other Information
Context ~ The SBA will provide disaster assistance more effectively, helping small businesses recover swiftly by accelerating disaster declarations and expediting the loan application process. The agency will extend support to rural and hard-to-reach communities through expanded on-site presence and engagement via multiple communication channels, including social media. Additionally, the SBA will explore mitigation efforts to enhance disaster readiness and the recovery capacity of small businesses, helping them better withstand future disruptions. These coordinated efforts aim to ensure timely support, reduce business downtime, and strengthen economic resilience for communities across the country. OIG Management Challenge(s) ~ II. Managing SBA's Loan Portfolio and Participating Lenders. Supporting Office(s) ~ ODR&R, OCA.
Objective 1.3: Technology & Regulations 🔗
Streamline technology and regulations for improved efficiency and customer experience.
Stakeholders:
🏢Office of the Chief Information Officer (OCIO) : Supporting Office
🏢Office of General Counsel (OGC) : Supporting Office
Other Information
Context ~ The SBA will enhance operational efficiency and prioritize customer experience by modernizing and consolidating its systems. By adopting advanced technologies, including secure platforms with integrated Artificial Intelligence capabilities, the Agency aims to provide a seamless and user-friendly interface for both internal and external stakeholders. Additionally, the SBA will review and refine regulatory frameworks to reduce complexity and improve overall stewardship of government resources. OIG Management Challenge(s) ~ IV. Managing Data; V. Managing Risks in Information Technology. Supporting Office(s) ~ OCIO, OGC.
Objective 1.4: Entrepreneurship Onramp 🔗
Enhance onramp to entrepreneurship and capital.
Stakeholders:
👥Faith-Based Organizations
👥Rural Organizations
👥Veteran Organizations
👥Schools, Workforce Boards, and Community Colleges
🏢Office of Entrepreneurial Development (OED) : Supporting Office
🏢Office of Veterans Business Development (OVBD) : Supporting Office
🏢Office of Field Operations (OFO) : Supporting Office
Other Information
Context ~ The Agency will leverage its extensive network of field offices and partners to strengthen the pathway from concept to capital, supporting entrepreneurs as they move from early engagement to capital deployment and sustained growth. Efforts will focus on targeted outreach and training in collaboration with key partners, including faith-based, rural, and veteran organizations, to increase awareness and the use of SBA products and services. The SBA will further integrate field offices and rural offices, prioritizing financial services and business assistance to connect entrepreneurs and small businesses with the resources they need to succeed. In addition, the SBA will collaborate with schools, workforce boards, and community colleges to cultivate the next generation of entrepreneurs. Supporting Office(s) ~ OED, OVBD, OFO.
Goal 2: Financial Integrity 🔗
Strengthen Financial Integrity and Accountability.
Other Information
Overview ~ This goal emphasizes reinforcing the SBA's financial foundation and ensuring the highest standards of accountability across all Agency financial operations. By eliminating inefficiencies and enhancing cost-management, the SBA will safeguard taxpayer resources while maintaining effective oversight of its lending programs. With a particular focus on protecting the budget neutral status of the 7(a) loan program, the Agency will prioritize enhancing strong underwriting standards to reverse the Biden Administration's trend of high loan defaults and negative cash flow. Improved risk management and rigorous enforcement will reduce fraud exposure, strengthen the control environment, and improve transparency to taxpayers.
Objective 2.1: Cost Management 🔗
Eliminate wasteful spending and improve cost-management controls.
Stakeholders:
🏢Office of Performance, Planning and the Chief Financial Officer (OPPCFO) : Supporting Office
🏢OEMISS : Supporting Office
🏢Office of Human Resources Solutions (OHRS) : Supporting Office
👤Chief Operating Officer (COO) : Supporting Office
Other Information
Context ~ The SBA must be a prudent steward of public funds by eliminating unnecessary expenses and improving cost-management practices across all programs and support functions. The Agency will employ an evidence-driven approach to budgeting and resource allocation, integrating process improvements and modernizing systems to crystalize operational efficiency. Key initiatives include consolidating enterprise software, right sizing the national office footprint through strategic relocations and consolidations, and streamlining the hiring process to enhance recruitment quality and reduce delays. Supporting Office(s) ~ OPPCFO, OEMISS, OHRS, COO.
Objective 2.2: Risk Management 🔗
Enhance risk management with prudent lending, lender standards, and reporting.
Stakeholders:
👥Lenders
🏢Office of Capital Access (OCA) : Supporting Office
🏢Office of Performance, Planning and the Chief Financial Officer (OPPCFO) : Supporting Office
Other Information
Context ~ To maintain a strong loan portfolio, the SBA will adopt robust financial institution standards to govern lending activities and oversight, tightening underwriting guardrails to ensure all loan programs adhere to the highest lending principles. The full modernization of SBA flagship loan programs will transition submissions and renewals to a completely digital platform, improving processing speed and accuracy. The Agency will implement comprehensive reviews across all financial products, applying rigorous performance metrics to ensure program integrity and mitigate risk. Ongoing, detailed loan model analyses will enable early identification of lending trends or risks that could affect subsidy costs or financial performance. OIG Management Challenge(s) ~ I. Protecting the Integrity of SBA Programs. Supporting Office(s) ~ OCA, OPPCFO.
Objective 2.3: Loan Fraud 🔗
Combat loan fraud through oversight and enforcement.
Stakeholders:
👥Federal Partners
👥Law Enforcement Officials
🏢SBA Fraud Task Force
🏢Office of Capital Access (OCA) : Supporting Office
🏢Office of Performance, Planning and the Chief Financial Officer (OPPCFO) : Supporting Office
👤Chief Operating Officer (COO) : Supporting Office
Other Information
Context ~ The SBA will intensify its fight against loan fraud by expanding oversight mechanisms and applying stringent enforcement actions. Implementation of relevant Presidential Executive Orders will strengthen the Agency's ability to detect, investigate, and recover funds related to fraudulent awards. The SBA will enhance coordination with Federal partners to increase data sharing and conduct more frequent, comprehensive loan file reviews. These efforts will improve fraud detection capabilities and support timely collaboration with supporting agencies and law enforcement officials to maximize recoveries. OIG Management Challenge(s) ~ III. Measuring Performance in SBA Programs; IV. Managing Data. Supporting Office(s) ~ OCA, OPPCFO, COO.
Objective 2.4: Internal Controls 🔗
Address material weaknesses and strengthen internal controls to improve audit outcomes.
Stakeholders:
🏢Office of Performance, Planning and the Chief Financial Officer (OPPCFO) : Supporting Office
🏢Office of Capital Access (OCA) : Supporting Office
Other Information
Context ~ Addressing material weaknesses identified in annual financial audits is a top priority for the SBA, which has seen years of failed external audits prior to the current Administration. The Agency will dedicate resources to resolving outstanding audit recommendations, particularly those involving pandemic-related program transactions that remain open. Efforts will include improving entity-level controls and implementing corrective actions. To enhance governance and risk management, the SBA will deploy an enterprise-wide compliance tool to integrate governance, risk, and compliance functions, streamline internal controls, and provide real-time data to support informed decision-making. OIG Management Challenge(s) ~ III. Measuring Performance in SBA Programs. Supporting Office(s) ~ OPPCFO, OCA.
Goal 3: Economic Growth 🔗
Support U.S. Economic Growth and Leadership.
Other Information
Overview ~ Strategic Goal 3 is focused on empowering small businesses to drive economic growth, spur innovation, and create jobs. The SBA will advance these aims with targeted initiatives to rebuild domestic supply chains and restore American industrial dominance by investing in small manufacturers and producers. The Agency plays a critical role in fostering growth through both SBA and interagency programs and will continue partnering with the Office of Advocacy to reduce excessive regulation. Additionally, the SBA is committed to helping innovative small businesses scale into mid-size firms by effectively managing government contracting, capital access programs, leveraging partners, and investing in the next generation of advanced technology to keep America strong and secure.
Objective 3.1: Manufacturing 🔗
Contribute to restoration of American industrial dominance in manufacturing.
Stakeholders:
👥Small Manufacturers
🏢OMT : Supporting Office
🏢Office of Field Operations (OFO) : Supporting Office
Other Information
Context ~ Small businesses are the backbone of the U.S. economy and key to restoring domestic industrial strength, jobs, and leadership in manufacturing. Through the targeted Made in America initiative, the SBA will expand capital access and increase the visibility of Federal support programs. To strengthen domestic supply chains, the Agency launched an onshoring portal promoting reshoring tools and financing options while seeking opportunities to optimize capital, contracting, and other tools that support American manufacturers. Lending to the U.S. manufacturing sector remains under $4 billion, underscoring a unique opportunity for SBA to expand its support. By strategically increasing access to capital for manufacturing businesses, SBA can help these firms scale operations, create jobs, and shift supply chains back home. Figure ~ Figure 4 of the plan charts growth in SBA 7(a) and 504 program lending to manufacturers, FY 2005-2025 (dollars in billions). The plan's text refers to this chart as Figure 3. Supporting Office(s) ~ OMT, OFO.
Objective 3.2: Innovation 🔗
Advance innovation through Agency and inter-agency programs.
Stakeholders:
👥Federal Partners
👥Industry Stakeholders
🏢Office of Investment and Innovation (OII) : Supporting Office
🏢Office of Field Operations (OFO) : Supporting Office
Other Information
Context ~ The SBA will promote innovation in sectors critical to U.S. national and economic security, including defense, manufacturing, artificial intelligence, and minerals. Coordinating with federal partners, the Agency will expand opportunities for small businesses to participate in research, development, and commercialization initiatives. Financial products, investment programs, and technical assistance will be adapted to help ventures developing advanced technologies access capital and attract private investment. Targeted outreach will identify emerging companies, provide guidance on scaling operations, and facilitate partnerships that connect entrepreneurs with government and industry stakeholders. By strengthening connections between innovation-focused programs, such as Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR), and government contract pathways, the Agency will help entrepreneurs move from proof of concept to prototype to commercialization. Supporting Office(s) ~ OII, OFO.
Objective 3.3: Regulatory Relief 🔗
Partner with the Office of Advocacy to reduce excessive regulation.
Stakeholders:
👥Rural Communities
🏢Office of Field Operations (OFO) : Supporting Office
🏢Office of the National Ombudsman (ONO) : Supporting Office
🏢Office of Advocacy : Supporting Office
Other Information
Context ~ The Office of Advocacy serves as a watchdog and advocate for small businesses by working to identify and reduce regulatory burdens. The SBA will continue to leverage tools such as the Red Tape Hotline, enhance regional collaboration and information sharing, and deepen grassroots engagement, particularly in rural communities, to identify and address overly burdensome regulations that hinder small business growth. Supporting Office(s) ~ OFO, ONO, Advocacy.
Objective 3.4: Business Scaling 🔗
Help small businesses scale and thrive independently.
Stakeholders:
👥High-Potential Firms
👥Federal Agencies
🏢Office of Government Contracting and Business Development (GCBD) : Supporting Office
🏢Office of Entrepreneurial Development (OED) : Supporting Office
🏢Office of Capital Access (OCA) : Supporting Office
Other Information
Context ~ The SBA will support small businesses as they prepare to scale, providing guidance that integrates capital planning, operational strategy, and government contracting opportunities into a cohesive growth pathway. High-potential firms will receive targeted mentoring to strengthen financial capacity and develop managerial skills necessary to navigate the challenges of expansion. The SBA will collaborate with its partners and other Federal agencies to connect businesses with the networks, training, and technical expertise needed to compete effectively in both public and private markets, enabling them to scale (including transitioning into mid-sized operations). The SBA is refocusing its federal contracting initiatives to align with its original intent: fostering opportunities for all small businesses, ensuring that all small businesses can compete for federal contracts based on merit and capability. This shift prioritizes increasing competition, driving innovation, and enhancing the quality of contract work performed. Supporting Office(s) ~ GCBD, OED, OCA.