Key facts
| Product | Via participating banks |
| Funding type | SBA & small-business bank loans |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 4 weeks |
| Typical size | Up to $500K |
| Term | 12–84 months |
| Requirements | Existing revenue · Personal guarantee |
| Regions | US |
| What they underwrite | Your cash flow & founders |
| Collateral | Business assets + personal guarantee |
| How you repay | Fixed monthly |
| Dilution | None |
The estimated rate for SBA Express, as of today, is shown to approved members. Sign in to see it.
SBA Express pros and cons
- Fastest Funding award, SBA & small-business bank loans (2026)
- Publishes its pricing
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- Requires a personal guarantee
- US only
Profitable or cash-flowing businesses wanting long, cheap, fixed-payment debt.
Slow, paperwork-heavy, personal guarantee required, US only.
SBA Express alternatives
Other SBA & small-business bank loans providers, fastest first.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| Live Oak Bank SBA & small-business loans |
Rates shown to approved members | About 6 weeks | Existing revenue · Personal guarantee | Compare → |
| SBA 7(a) loan Via participating banks |
Rates shown to approved members | About 2 months | Existing revenue · Personal guarantee | Compare → |
Compare SBA Express
SBA Express FAQ
How much does SBA Express cost?
The estimated rate for SBA Express, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and SBA Express's underwriting.
How fast does SBA Express fund?
About 4 weeks from application to cash, based on typical timelines.
What are SBA Express's requirements?
Existing revenue, personal guarantee. Available in US.
How much can you get from SBA Express?
Up to $500K. Terms run 12–84 months.
Does SBA Express require a personal guarantee?
Yes. SBA Express asks for a personal guarantee.
What are the best alternatives to SBA Express?
Other SBA & small-business bank loans providers include Live Oak Bank (about 6 weeks); SBA 7(a) loan (about 2 months). Compare all 3 side by side on B2B Agent.
Is SBA Express the best SBA & small-business bank loans provider?
SBA Express won Fastest Funding among 3 SBA & small-business bank loans providers in the 2026 B2B Agent Awards. The best fit still depends on your amount, revenue, and timeline.
SBA Express won 2 B2B Agent Awards in 2026
Awards are rule-based: a provider wins only if it beats every other provider of its funding type on the published data, and ties award nobody. See how winners are chosen. Work at SBA Express? Copy the code below to show your award on your website.
Something out of date? Update this listing and we'll review it within two business days.
Is SBA Express your best option?
Price SBA Express against all 84 options for your amount, revenue and timeline — then ask for an introduction to the best fits.
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.