Up to $350,000
Unsecured.
Same-Day Credit Approval.
The SBA 7(a) Express is the fastest government-backed loan in America. No collateral. No months of waiting. Real capital — fast.
$2.1B+
Funded to date
Same Day
Credit Approval
4,800+
Businesses funded
680+
Min credit score
Free Rate Check — No Hard Pull
See how much you qualify for
Takes less than 2 minutes.
How much capital do you need?
SBA 7(a) Express funds up to $350,000 — no collateral required.
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Why SBA Express
The fastest path to government-backed capital
Up to $350,000
No collateral required on Express loans under $350K — fully unsecured.
Same-Day Credit Approval
SBA Express is designed for speed. Credit decisions as fast as same day.
10-Year Terms
Fixed or variable rates over terms up to 10 years for working capital.
Government-Backed
SBA guarantees up to 50% — giving lenders confidence to fund your growth.
Rate Guide
SBA 7(a) Express Rates — September 2026
Based on the current WSJ Prime Rate of 7%. SBA Express rates are variable and capped by the SBA. Est. APRs reflect Prime + applicable spread.
| Loan Amount | Max Term | Rate Cap | Est. APR | Collateral |
|---|---|---|---|---|
| Up to $50,000 | 10 years | Prime + 5.5% | ~12.25% | None required |
| $50,001 – $250,000 | 10 years | Prime + 3.5% | ~10.25% | None required |
| $250,001 – $350,000 | 10 years | Prime + 2.75% | ~9.75% | None required |
Eligibility
Do you qualify for SBA 7(a) Express?
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