As an SBA-certified lender, small business loans you issue will be backed by a federal guaranty. SBA has three lending programs: 7(a), CDC/504, and Microloan. Each program has its own lending practices and eligibility requirements for lenders. Review the details of each, then decide which program is best for you. Contact a lender relations specialist at your local SBA district office ((Milwaukee or Madison in Wisconsin) to start the application process.