Faster turnaround
SBA Express Loan
A streamlined SBA option when speed matters.
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.