Our newest and quickest online, self service loan option provides lightning-fast funding up to $100,000 without all the paperwork. With lower fixed interest rates and longer repayment terms than alternative online lending products – plus the support of an in-house team of experts – EXPRESS loans are ideal for those with good personal and business credit scores and can be prequalified in minutes.

SBA Express Loans are Best for:

The SBA Express loan is ideal for businesses that want working capital to grow their business. Our online application features the easiest SBA application process and accelerated approval times, plus it offers longer terms and lower fixed interest rates than other online alternative solutions.

SBA Loans vs. Merchant Cash Advance

There are several differences between an MCA and our SBA Express loan. Key differences include interest rates, repayment terms and payment frequency. Our SBA Express Loans have ten year fully amortizing terms with monthly payments. The repayment schedule for an MCA is much shorter with higher payments that are drafted as frequently as daily.





SBA Fixed Rate set at Prime plus 6% to 6.5% 10 Years Monthly
CASH ADVANCE 15% to 350% 36 Months Daily or Weekly

Minimum Qualifications

  • Minimum annual revenue of $50,000 (based on most recent tax return)
  • Eligible Small Business per SBA guidelines
  • Minimum credit score of 675 with no previous bankruptcies
  • Minimum SBSS score of 165
  • At least 12 months in business
  • Loan amount cannot exceed 50% of annual revenues (based on most recent tax return)

Funding in 4 Simple Steps

  • 1

    Apply Online/ Prequalification

    Complete the online application any time of the day. We will perform an instant, automated pre-qualification.
  • 2

    Submit Documentation

    If you meet our prequalification requirements, you will receive an email with a link to our portal to upload the needed documentation. We will review the documentation and your application, which may require us to request some additional items. We will also send you a request to pull tax transcripts (IRS Form 8821) for your business. Once all documentation is accepted and tax transcripts are received, your loan request will be submitted for approval.
  • 3


    When your loan is approved, you will receive an email outlining details of your offer. You can receive your offer as quickly as the same day your loan was submitted for approval. Upon acceptance of your offer, the loan will be submitted to SBA. SBA may take up to 3 business days to approve the loan. Upon approval, you will be sent closing documents to sign through Docusign.
  • 4


    After receiving your signed closing documents, we will fund your loan in a matter of days so you can start making your business dreams a reality.

What Makes Express Loans Different?

SBA Express loans fall under the federal government’s SBA Loan Guarantee Program. Though similar to the SBA 7(a) loan, which offers up to $5 million and has a guarantee of up to 85% of the loan amount, the “express” loan sets itself apart by being easier to qualify for. If approved, funds become available to the business owner within a few days. This is a far cry from the notoriously grueling process surrounding the SBA 7(a) loan, which requires lengthy application paperwork and even longer lead times for approvals or denials.

Use of Proceeds

​Our SBA Express Loans can be used to fund your business working capital needs. ​

Express Approval

SBA Express offers the fastest approval times of any SBA loan by expediting the application, underwriting and closing process. Our online application along with our streamlined credit approval process further reduces the approval and funding times compared to other SBA Express lenders.

Long Repayment

Our SBA Express Loans are fully amortized over 10 years with fixed monthly payments.

Easier Qualification

Since the loan is backed by the SBA, it's easier to get qualified