SBA Express Loans
Faster SBA approval for smaller loan amounts — up to $500K with streamlined processing and quick turnarounds.
Overview
The SBA Express program is a streamlined version of the 7(a) program that offers faster approval times (often within 36 hours) for loans up to $500,000. The trade-off is a lower SBA guarantee (50% vs 75%), but the speed and simplicity make it ideal for established businesses that need capital quickly without the heavier documentation of a standard 7(a).
Who Is This For?
- Established businesses needing quick access to capital
- Companies needing working capital or equipment under $500K
- Businesses that want SBA terms with faster processing
- Lines of credit for ongoing business needs
The Buying Process
What to expect from pre-approval to closing.
Apply
Streamlined application — less documentation than standard 7(a).
Quick Approval
SBA Express decisions often come within 36 hours.
Fund
Fast disbursement once approved and closed.
Frequently Asked Questions
SBA Express can be approved in as little as 36 hours, compared to 30–60 days for standard 7(a). Total time from application to funding is typically 2–4 weeks.