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SBA Express Loan

Purchase assets or increase working capital to prepare for growth with the Express loan

The SBA Express loan or line of credit is ideal for businesses with less established credit that want to improve cash flow, refinance debt, or fund improvements, equipment, or real estate. It features the easiest SBA application process and accelerated approval times, plus it offers longer terms and lower down payment requirements than conventional loans.

  • Fixed or variable rate term loan or revolving line of credit
  • Borrow up to $350,000
SBA Express Loan Terms
  • Up to 10 years for working capital
  • Up to 15 years for equipment
  • Up to 25 years for real estate
Maximum Interest Rates
  • Prime plus 4.50% for loans $50,001 to $350,000
  • Prime plus 6.5% for Express loans of $50,000 or less, regardless of loan maturity
SBA Guaranty Fees*
  • 2.00% up to $150,000
  • 3.00% from $150,001 to $350,000

Other SBA Loan Types

SBA 7(a) Loan

  • For starting, expanding, improving, refinancing, or acquiring a business
  • Fixed or variable rate term loan for up to $5MM
  • Most flexible SBA loan program

SBA 504 Loan

  • For major business expansion projects
  • Fixed or variable rate term loan for up to $12MM
  • Up to 90% financing

Speak to a business banking professional about whether an SBA Express loan is right for your business.

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* Guaranty fee waivers and other fees may apply given the specific details of the transaction(s), use of funds, loan structure, collateral, etc.