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What is an SBA Express Loan?

An SBA loan is a small business loan that is partially guaranteed by the government (the Small Business Administration), which eliminates some of the risk for the financial institution who is issuing the loan. Loans have the best terms and rates but are the hardest to secure.

Program Details

SBA Express loans are similar to 7(a) loans but at much lower and usually shorter terms. Terms begin at 2 – 3 years and go out to 10 years. Express loans can have rates under 10% and vary with market and bank. This SBA backed program is time consuming to get, but has nice terms and conditions which are attractive. However, this is one of the hardest loans to acquire as a small business. Fewer than 5% of applicants receive the funding and it takes around 30-60 days to fund.

Loan Amounts

$50,000 - $250,000

How Hard to Get?


How Fast?

Required to Qualify

Good credit (680+), business credit, organized financials, up to date tax returns that show profits enough to service the debt, liquidity in assets.

Type of Program


90-120 days

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