SBA Express loans are built for speed. Less paperwork, faster decisions, and SBA-capped rates — for businesses that need working capital without the wait.
No credit pull. No commitment. Just answers.
100% free. No credit check. No obligation. We respond within 2 business hours.
SBA Rate Pulse
What the SBA Express lending market looks like right now.
Page data as of: June 11, 2026 at 09:07:58 PM CDT
Prime + up to 6.5% for loans under 7 years. SBA-capped — lenders cannot charge more.
Hard cap for the Express program. Over $500K requires standard 7(a) — we do both.
No down payment required for Express working capital. The business cash flow supports the loan.
The SBA small business scoring threshold for Express eligibility. Pulled automatically by lenders.
Fastest in the SBA product lineup. Lenders make their own credit decision — no SBA review required.
Streamlined documentation and faster lender decision-making mean quicker closings.
The SBA Small Business Scoring Service (SBSS) score must be at least 155 for Express loans. Lenders pull this automatically — no action needed from you.
Express loans skip the standard SBA credit memo process. Lenders make their own credit decision, which is why approvals can come in 48–72 hours.
Express loans under $50K require no collateral. Above $50K, lenders take available business assets but generally don't require real estate for deals under $500K.
Equipment, working capital, and small buildouts are the most common Express use cases. Not available for acquisitions — those require standard 7(a).
SBA Express Sizing
Enter your revenue and profit. We'll show you your estimated SBA Express eligibility in seconds.
Based on Prime Rate of 7.5% as of calculation date. Actual rates and amounts vary by lender and deal structure.
Enter your numbers to see your estimated loan eligibility.
The Process
We handle the heavy lifting. You focus on running your business.
Fill out a quick form. We review your situation and assess your fit — no credit pull required.
We take your file to our SBA Express lender network simultaneously and collect competing term sheets.
We walk you through each term sheet. You choose the best rate and terms. When lenders compete, you win.
We coordinate closing from start to finish. SBA Express loans typically fund in 30 to 45 days.
Qualifications
SBA Express loans have streamlined requirements compared to traditional 7(a) loans. Here's what most lenders look for.
Get Started
Free assessment. No credit check. Response within 2 hours.