Glossary · The loan itself
In short
A faster, smaller 7(a) variant: up to $500K with a 50% guarantee. Quicker approval, but less lender appetite for acquisitions.
SBA Express is a streamlined version of the 7(a) with a $500K cap and a lower 50% government guaranty (versus 75–85% on standard 7(a)). Because lenders keep more of the risk, they're picky about which deals they'll do under Express — most acquisition lenders prefer the full 7(a) for business purchases. Express is most useful for working capital, equipment, or very small acquisitions where speed matters more than loan size.
7(a) Loan Program — Terms, Conditions, and Eligibility
U.S. Small Business Administration · Official SBA source
Last checked 2026-06-14. Official sources control — verify before relying on any rule for a live deal.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-14 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
See which SBA lenders would fund your deal
Tell us the business, the price, and where you are — we'll point you to the lenders most likely to approve a 7(a) like yours and flag what trips up approval.
Free · No documents · Usually same-day