SBAExpress Program

SBAExpress Loan: Government Guarantee Up to 50%

The SBAExpress Program offers lines of credit as well as term loans. Like the SBA 7(a) Program, an SBAExpress loan gives small- to medium-sized businesses, established entrepreneurs, and professionals access to other resources for additional capital. The only difference between this type of financing and conventional financing is the government guarantee - which can be up to 50% of the loan amount.

Your Small Business can benefit from SBAExpress Program with:

  • Lines of credit.
  • Term loans with longer amortizations.
  • Lower equity investment requirements.

Borrow up to $350,000*

  • Under the SBAExpress Loan Program, your Small Business can obtain a maximum loan size of $350,000.

Terms and Rates for SBAExpress Loans

Lines of Credit: Terms of 1 to 7 years

Term Loans:

  • Working Capital and Inventory: 7 years
  • Equipment: 10 years
  • Real Estate: 25 years

Interest Rate: Variable rate based on prime.

Your Small Business Can Use an SBAExpress for:

  • Working Capital
  • Inventory
  • Business Acquisitions
  • Equipment
  • Real Estate
  • Debt Refinancing

Business Size Determines Eligibility

Your Small Business must fit certain size limitations (maximums) to qualify for an SBAExpress loan, based on your business's NAICS code. Please contact a SBA Loan Specialist to discuss your particular business.

Getting Started

To speak with a SBA Loan Specialist, call us Monday through Thursday 7:00 a.m. - 5:30 p.m. and Friday 7:00 a.m. - 6:00 p.m. (PT) at (800) 722-5945, contact us or visit one of our local City National locations.

* Subject to credit approval.