SBA Express Loan
A faster-turnaround version of the SBA 7(a) loan program, with an accelerated SBA response time in exchange for a lower guarantee percentage and typically a smaller maximum loan amount.
The SBA commits to responding to an Express loan application within a set number of business days, much faster than a standard 7(a) review, which makes it a better fit when timing matters more than securing the absolute largest loan amount available.
Because the SBA guarantees a smaller share of an Express loan, individual lenders may apply somewhat stricter underwriting than they would on a fully-guaranteed 7(a) loan to offset their added exposure.
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