Need fast, flexible funding for your business?
SBA Express Loans offer up to $500,000 in financing with quicker turnaround times than traditional SBA loans. Whether you’re looking to expand, manage cash flow, buy equipment, or refinance debt, SBA Express loans are a smart option—especially when you have a trusted lender like SBA Loan Guy by your side.
With simpler paperwork, faster decisions, and competitive interest rates, the SBA Express program is built to help small businesses move forward without the wait.
Who Can Apply?
SBA Express Loans are available to small businesses that meet the following SBA requirements:
- Be a for-profit business located in the U.S. or its territories.
- Meet the SBA’s definition of a small business.
- Have a solid ability to repay the loan.
- Be unable to access credit elsewhere on reasonable terms.
In addition to SBA standards, lenders may have their own financial benchmarks. Most lenders look for:
- A FICO score of 650+
- At least two years in business
- Strong annual revenue
- Collateral if borrowing more than $50,000
Also, anyone who owns 20% or more of the business must sign a personal guarantee.
Not sure if you qualify? Don’t worry—we help business owners through the process every step of the way.
How Can You Use an SBA Express Loan?
SBA Express Loans are versatile. You can use the funds for:
- Working capital
- Inventory purchases
- Equipment or machinery
- Refinancing existing business debt
Need a one-time boost or an ongoing credit line? You can choose between a term loan or a revolving line of credit, depending on what works best for your goals.
What Documents Are Required?
To apply for an SBA Express Loan, you’ll typically need:
- Business tax returns (last 2–3 years)
- Personal tax returns (last 2 years)
- Year-to-date financial statements (P&L and balance sheet)
- Business debt schedule
- Personal financial statement (SBA Form 413)
- Business plan (if you’re a newer business or making major changes)
- Articles of incorporation or formation
- Voided business check
Don’t let the paperwork slow you down—we’ll help you pull everything together.
SBA Express Loan Terms & Rates
Here’s what to expect:
- Loan Amount: Up to $500,000
- Loan Types: Term loan or line of credit
- Repayment Terms:
- Up to 10 years for working capital, inventory, and equipment
- Up to 25 years for real estate
- Up to 10 years for lines of credit
- Interest Rates:
- Variable: 10.5% – 14%
- Fixed: 12.5% – 15.5%
- SBA Guarantee: 50% minimum
Funding Time: Typically 30 to 90 days
Pros and Cons
Pros:
- Choose between term loan or line of credit
- Lower interest rates and longer repayment terms than many alternatives
- Faster approval than standard SBA loans
- SBA guarantee can help you qualify even if a bank said no
Cons:
- Maximum loan amount is $500,000
- Still requires strong financials and good credit
- May take 30+ days from application to funding
Ready to move fast and fund smart?
Let SBA Loan Guy help you get the Express loan your business needs.