Why? One of the examples of microloans implementation is the SBA's Micro- Program with short-term loans of up to $35,000 to small businesses and not-for-profit child-care centers for working capital or the purchase of inventory, suppliBecause they gave new understanding to the money lending and its traditional rules. About Small Business Microloans (SBA Micro Loans) and Microloan Lenders, SBA Microlenders and Microlenders Association Micro loans or microloans have gained a Nobel prize. Generally, the lower the interest rate, the more points the lending institution will charge.