Key differences
- Approved members can compare the estimated rates as of today side by side.
- SBA Express is usually faster to fund (about 4 weeks vs about 2 months).
Side by side
| SBA 7(a) loan | SBA Express | |
|---|---|---|
| Product | Via participating banks | Via participating banks |
| Funding type | SBA & small-business bank loans | SBA & small-business bank loans |
| Estimated rate as of today | Rates shown to approved members | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 2 months | About 4 weeks |
| Typical size | Up to $5M | Up to $500K |
| Term | 12–120 months | 12–84 months |
| Requirements | Existing revenue · Personal guarantee | Existing revenue · Personal guarantee |
| Regions | US | US |
| What they underwrite | Your cash flow & founders | Your cash flow & founders |
| Collateral | Business assets + personal guarantee | Business assets + personal guarantee |
| How you repay | Fixed monthly | Fixed monthly |
| Dilution | None | None |
SBA 7(a) loan
up to $5M, up to 10 years for working capital.
SBA 7(a) loan vs SBA Express FAQ
What is the difference between SBA 7(a) loan and SBA Express?
Approved members can compare the estimated rates as of today side by side. SBA Express is usually faster to fund (about 4 weeks vs about 2 months).
Which is faster, SBA 7(a) loan or SBA Express?
SBA Express usually funds in about 4 weeks; SBA 7(a) loan takes about 2 months.
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
Related comparisons
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.