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Faster SBA financing with loan amounts up to $500,000 and expedited turnaround. Available as term loans or revolving lines of credit for businesses needing quick access to capital.
An SBA Express loan is right for you if you need fast access to business capital up to $500,000 with less paperwork than a standard SBA 7(a) loan. The expedited process means you can get approved in days rather than weeks, available as a term loan or revolving line of credit.
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Min Credit Score
680+
Max DTI
N/A (business cash flow analysis used)
Loan Limits
Up to $500,000
PMI / MIP
SBA guarantee fee applies
Occupancy
Business use
We quickly assess your business financials and loan needs to confirm SBA Express eligibility. The streamlined process means we can provide a preliminary decision rapidly.
Submit a simplified application package with recent business tax returns, financial statements, and a brief description of your capital needs. Less documentation required than standard SBA 7(a).
SBA Express Lenders have delegated authority to approve loans without submitting to the SBA. This means approval decisions can be made within 36 hours of receiving a complete application.
Complete closing documents and receive your funds. For revolving lines of credit, your credit line is established and you can draw as needed.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
Explore other loan products that might be a good fit for your needs.
The SBA's most common loan program offering up to $5 million for working capital, equipment, real estate, acquisitions, partner buyouts, and debt refinancing.
Long-term, fixed-rate financing for major fixed assets like commercial real estate, heavy equipment, and construction or renovation projects.
Small loans up to $50,000 for startups and small businesses. Ideal for working capital, inventory, supplies, and equipment. Often paired with business training and technical assistance.
Apply online in minutes or call us to speak with a loan advisor about your SBA Express options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
NetCORE Lending helps connect you with SBA-approved lenders. The U.S. Small Business Administration (SBA) does not directly lend money to small businesses. SBA loans are provided by participating lenders with a government guarantee that reduces the lender's risk.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.