As of January 2026SBA 8(a) Program
Detailed Answer
8(a) eligibility requirements:
**Social Disadvantage (must prove):**
- Rebuttable presumption for certain groups (Black, Hispanic, Native American, Asian Pacific, Subcontinent Asian)
- Others must demonstrate individual disadvantage
- Based on prejudice in business/employment
**Economic Disadvantage:**
- Personal net worth under $850,000 (excluding primary residence and business)
- Adjusted gross income under $400,000 average over 3 years
- Fair market value of assets under $6.5M
**Business Requirements:**
- Operating business for 2+ years
- Small for its primary NAICS
- 51% owned by disadvantaged individuals
- Owners must control daily operations
- Good character requirement
**Program Duration:**
- 9-year program total
- Developmental stage: Years 1-4
- Transitional stage: Years 5-9
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