Glossary · The loan itself
In short
A streamlined version of the 7(a) loan program, offering faster processing times and lower loan amounts (up to $500,000). It's designed for smaller, less complex financing needs.
If your acquisition is under $500,000, an SBA Express loan might be an option. Lenders using this program have more delegated authority from the SBA, which can speed up approval. However, the SBA's guaranty percentage is lower (50%), making lenders potentially more conservative.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. 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 2026-06-15 · 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.
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