SBA Express loan
Government-backed loan with faster turnaround than 7(a) — for established small businesses.
- Amount
- $20,000 – $350,000
- Time to fund
- Up to 36 hours
- Term
- Up to 12 years
- Rate
- 3% – 8%
SBA backing with a fraction of the wait. The guarantee is lighter than the standard program's and the ceiling is lower, and in exchange the lender makes the decision itself instead of sending it to the SBA — which is where most of the waiting goes.
- Established, with trading history behind you
- You need an answer in days
- The amount you need sits under the Express ceiling
Express carries a statutory ceiling — above it, the standard program is the SBA route.
Four steps, one profile.
- 01
Prequalify
Answer eight questions about your business. No documents yet.
- 02
Get matched
We check your profile against the criteria of every active lender on the platform.
- 03
Apply
Submit the application and supporting documents for the product you picked.
- 04
Get funded
The typical timeline for this product is Up to 36 hours.
Amounts, terms and rates shown are ranges across our lender network, not an offer of credit. Final terms depend on lender underwriting and your business profile.
See what you qualify for.
One prequalifier covers every product. It takes a few minutes and tells you which options are actually open to you.