SBA backed capital.
Without the wait.
Secure up to $500,000 with an SBA Express loan. Get the low rates and long terms of a government-backed loan, with a streamlined process designed to bypass the agonizing months of waiting.
- Guaranteed 36-hour turnaround on SBA approval decisions.
- Interest rates significantly lower than online alternative lenders.
- Terms up to 10 years to minimize your monthly payments.
Expedited Processing
Unlike standard SBA 7(a) loans that can take 60-90 days, the SBA Express program requires lenders to use their own forms, drastically cutting red tape.
Unmatched Interest Rates
Because the Small Business Administration guarantees up to 50% of the loan, our lenders can offer you prime-based interest rates that private lenders simply can't touch.
Flexible Capital Deployment
Whether you need a revolving line of credit or a lump sum term loan, SBA Express funds can be used for working capital, equipment, or expansion.
Check SBA Eligibility
See the government-backed rates you qualify for. Zero obligation or commitment.
Fuel Your Growth Strategy
SBA Express loans provide the ultimate flexibility. Use the capital to stabilize your cash flow or aggressively pursue new market opportunities.
Working Capital
Smooth out seasonal dips, meet weekly payroll, or purchase essential inventory without strangling your everyday operating cash.
Equipment & Machinery
Upgrade your capabilities. Purchase commercial vehicles, heavy machinery, or enterprise software to dramatically scale your output.
Expansion & Real Estate
Sign the lease on a new storefront, build out an additional warehouse, or acquire a retiring competitor to dominate your local market.
Debt Consolidation
Refinance toxic, high-interest business debt (like Merchant Cash Advances) into a single, low-interest monthly SBA payment.
SBA Savings Estimator
Why endure the high costs of fast online lenders? See exactly how much interest you save every month by securing a prime-based SBA Express loan instead.
Loan Parameters
SBA Express loans cap at $500,000.
Monthly Payment Comparison
SBA Express Rate
$1,940
Est. 9.5% APR
Online Alt. Lender
$3,408
Est. 25.0% APR
Total Interest Saved Over Term
By taking a few extra days for SBA approval, you keep a massive $176k+ inside your business instead of paying it to a high-interest online lender.
*Educational tool assuming illustrative APRs based on current market averages. Actual SBA rates are tied to the Prime Rate. SBA Express term lengths vary depending on use of funds (working capital vs real estate).
The Best of Both Worlds
SBA Express gives you the low rates of a government loan with the speed of an alternative lender. Compare it to standard options.
| Feature | SBA Express | Standard SBA 7(a) | Online Alt. Loan |
|---|---|---|---|
| Interest Rates | Low (Prime-Based) | Low (Prime-Based) | Very High (15-40%+) |
| SBA Response Time | 36 Hours | Up to 10 Days+ | N/A |
| Total Time to Fund | ~30 Days | 60 - 90+ Days | 1 - 3 Days |
| Max Loan Amount | Up to $500k | Up to $5M | Usually < $250k |
The Expedited Process
1. Delegate the Paperwork
Submit your initial inquiry. Our lenders use their own specialized forms instead of heavy government paperwork to speed up the process.
2. 36-Hour SBA Review
Once submitted by the lender, the SBA guarantees a review and decision on your Express loan application within 36 hours.
3. Finalize & Fund
After SBA approval, you complete final diligence with the lender and the capital is wired directly to your operating account.
SBA Express FAQs
Executive answers for founders looking for government-backed capital.
Is an SBA Express loan a term loan or a line of credit?
It can be either! The SBA Express program allows lenders to offer both term loans (a lump sum paid back over time) or revolving lines of credit (up to 10 years). You can discuss which structure fits your cash flow best with your lender.
Do I need to put up collateral for an SBA Express loan?
For loans up to $50,000, lenders are not required to take collateral. For loans between $50,000 and $500,000, lenders use their existing collateral policies, meaning it is often required, but it is generally less restrictive than standard SBA 7(a) rules.
Why is it so much faster than a standard SBA loan?
The main delay in standard SBA loans is the heavy documentation and government underwriting process. The Express program allows trusted lenders to use their own forms and underwriting processes. The SBA only reviews it briefly (within 36 hours) because they guarantee a smaller percentage (50%) of the loan compared to a standard 7(a).