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Loan type

SBA Express Loan

A faster, lender-processed SBA loan up to $500,000, including lines of credit.

Run the numbers How to apply

Loan size
Up to $500,000
SBA guarantee
50%
Term
Revolving lines up to 10 years
Process
Lender uses its own forms and procedures, plus SBA Form 1919
Collateral
Not required up to $50,000; lender policy above that
Best for
Faster decisions on moderate amounts

What it is

SBA Express is a version of the 7(a) built for speed. Approved lenders use much of their own process instead of the full SBA package, and in exchange the SBA guarantees less (50%). It can be a term loan or a revolving line of credit, which the standard 7(a) cannot be.

Because the lender carries more risk, Express works best when you already have a banking relationship and a solid file.

How much SBA guarantees
7(a) up to $150,00085%
7(a) above $150,00075%
SBA Express50%

A smaller guarantee is the trade for the lender using its own, faster process.

A good fit if you want

  • Amounts up to $500,000 where speed matters
  • A revolving SBA-backed line of credit
  • Borrowers with an existing relationship at an Express lender

Probably not the right tool if

  • Loans larger than $500,000
  • Weak collateral or cash flow, since the guarantee is only 50%

Typical requirements

  • Same core eligibility as the 7(a): for-profit, size standard, owner equity, credit-elsewhere test
  • Personal guarantees from 20% owners
  • Lender must hold Express authority

Run the numbers

These calculators run in your browser and are estimates, not offers. Change any number to see the effect.

How to apply

  1. Ask your bankNot every SBA lender offers Express. Ask whether yours has Express authority.
  2. Prepare the fileExpect the lender's own application plus SBA Form 1919, financial statements and tax returns.
  3. Underwrite and approveThe lender decides, without waiting for SBA review.
  4. Close and fundOnce approved, closing moves like a conventional loan.

Need a lender, an SBA district office or a free counselor? Use the national directory.

Common questions

How is Express different from a regular 7(a)?

Lower guarantee (50%), a $500,000 maximum, and the lender uses its own procedures instead of the standard SBA ones.

Do veterans get fee relief?

For FY 2027, SBA Express loans to businesses owned and controlled by a veteran or the spouse of a veteran carry a $0 upfront fee.

Keep reading

Sources

General information, not financial, tax or legal advice. LoansFlow is not a lender and this is not an offer of credit. Program rules, limits, fees and rates change; confirm current terms with your lender and the issuing agency. SBA figures reflect SBA.gov and the fiscal year 2027 fee notices (effective October 1, 2026).