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

Apply Now

If you're ready to get started with your SBA Express loan, we've got you covered.

Minimum Qualifications

  • Eligible Small Business per SBA guidelines
  • Minimum credit score of 700 with no previous bankruptcies
  • At least 12 months in business

Funding in 4 Simple Steps

  • 1

    Apply Online/ Prequalification

    Our online application can be completed any time of the day. After submitting your online application, you will pre-qualified instantaneously.
  • 2

    Submit Documentation

    You can get approved & funded with as little as your business organizational documents and personal ID.
  • 3


    After your documentation is accepted, you will receive an approval email with the terms and conditions.
  • 4


    After accepting the offer, your closing documents will be sent to for your signature and the loan will be funded.

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

Apply Now

If you're ready to get started with your SBA Express loan, we've got you covered.