How does the $5MM loan cap ($3.75MM guarantee cap) apply to two searchers who are married? My spouse already has an SBA 7a loan (but I am NOT a guarantor of that loan). Does my spouse's loan reduce how much I'm able to borrow for my acquisition? For example, if my spouse currently has a $3MM 7a loan, when I apply for a 7a loan, will I be capped at $2MM, or will I be able to borrow up to $5MM as well (obviously, for a separate business unrelated to my spouse's)?

Thanks in advance for your help.