SBA 7(a) Small / Express Loans

Fast Capital.
Up to $500K.

SBA Express loans are built for speed. Less paperwork, faster decisions, and SBA-capped rates — for businesses that need working capital without the wait.

  • $100K to $500K  loan amounts
  • Rates from 10.5%  SBA-capped APR
  • 10-year terms  for low monthly payments
  • 0% down payment  required
  • Streamlined process  fewer docs, faster close
  • 100% free  for borrowers
Apply Free →Need over $500K?
$500K
Max Loan
10.5%
Rates From
10 Yrs
Max Term
0%
Down Payment

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No credit pull. No commitment. Just answers.

100% free. No credit check. No obligation. We respond within 2 business hours.

$320M+
Total Funded
126
Deals Closed
7 Days
Avg. to Term Sheet
50+
Lender Partners

The Process

Four Steps to Funded.

We handle the heavy lifting. You focus on running your business.

Step 01

Tell Us What You Need

Fill out a quick form. We review your situation and assess your fit — no credit pull required.

Step 02

We Go to Multiple Lenders

We take your file to our SBA Express lender network simultaneously and collect competing term sheets.

Step 03

You Pick the Best Offer

We walk you through each term sheet. You choose the best rate and terms. When lenders compete, you win.

Step 04

Close and Get Funded

We coordinate closing from start to finish. SBA Express loans typically fund in 30 to 45 days.

Qualifications

Do You Qualify?

SBA Express loans have streamlined requirements compared to traditional 7(a) loans. Here's what most lenders look for.

Eligibility Requirements

  • Minimum $250K annual revenue
  • Minimum $30K annual profit
  • Credit score of 650 or higher
  • SBSS score of at least 155
  • 3+ years in business
  • No bankruptcies in the last 4 years
  • All business and personal debts current
  • U.S. citizen or permanent resident
Not sure if you qualify? Submit free — we'll tell you within 2 hours.

Documents You'll Need

  • 3 years of business tax returns
  • 3 years of personal tax returns
  • Year-to-date income statement and balance sheet
  • Current business debt schedule
  • 3 months of business bank statements
  • Articles of organization or incorporation
Don't have everything ready? We help you gather and organize what's needed.

Get Started

Ready to Move Fast?

Free assessment. No credit check. Response within 2 hours.

Apply Free →Need over $500K?