Faster turnaround

SBA Express Loan

A streamlined SBA option when speed matters.

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SBA Express offers a faster path to smaller amounts of SBA-backed capital, with a quicker SBA response and the option of a revolving line of credit. Great when you want SBA terms without the full 7(a) timeline.

Best for

Businesses that need a faster SBA decision
Smaller working-capital needs or a revolving line
Owners who value speed and simplicity

Common uses

Short-term working capital
A revolving line for cash-flow swings
Smaller equipment or expansion needs

What you'll need

For-profit US business under SBA size limits
Demonstrated repayment ability
Owner credit reviewed

At a glance

Loan amount: Up to $500,000
SBA response: Expedited (often within ~36 hours)
Structure: Term loan or revolving line of credit
SBA guaranty: Up to 50%

SBA Express Loan questions

How fast is SBA Express?

The SBA aims to respond to Express applications quickly (often within about 36 hours), though total funding time depends on documentation and the lender.

Can SBA Express be a line of credit?

Yes — Express can be structured as a revolving line of credit, which is useful for managing cash-flow swings.

Other SBA programs

See what you qualify for today.

One application, every option compared. No fee, no obligation, no credit impact.