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SBA Express
Express SBA 7(a) loans part of the government insured program offering up to $500,000 for general funding.
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Loan Amount
$500,000
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Time to Fund
Dependant on the lender. The SBA guarantees a decision for standard Express loan applications within 36 hours and Export Express loans within 24 hours
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Term Length
Up to 10 Years
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What is an SBA Microloan?
SBA loans are an excellent option for small businesses seeking reliable government-backed financing. An SBA Express loan is a faster, streamlined version of the standard SBA 7(a) loan, offering quicker approval times (potentially within 36 hours) and a lower maximum loan amount ($500,000) for businesses needing fast funding to expand or manage operations.
How SBA Express loans work.
SBA Express loans provide expedited funding with a simplified application process, making them ideal for businesses needing quick capital. With loan amounts up to $500,000, these government-backed loans offer competitive interest rates and flexible repayment terms. Small businesses looking for fast, accessible financing to manage cash flow or expansion should consider this program.
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Minimum Requirements
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Credit Score
620
Monthly Revenue
No Minimum Revenue Requirement, Maximum Revenue limits depending on industry
Time in Business
No Minimum Revenue Requirement
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SBA Express loans offer expedited processing, with approvals typically within 36 hours. Funding can take 1-3 weeks after approval.
The maximum amount is $500,000, with an SBA guarantee of up to 50%.
Yes, but you must meet SBA eligibility requirements, including providing a business valuation and demonstrating sufficient cash flow.
Repayment terms vary but generally range from 7 years for working capital to 25 years for real estate.
Collateral is not required for loans under $25,000. Loans above this threshold may require business assets or a personal guarantee.
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