SBA Express 30-Day
Fast Working Capital Program
One of the best financing options available for small businesses is an SBA loan. SBA loans offer many advantages, including low interest rates and long repayment terms. However, they typically have strict qualification requirements, require extensive documentation, and often take more than three months to fund.
We offer an SBA Express program under the SBA 7(a) program that can provide funding in as little as 30 days.
- Loan Amount: $50,000 – $150,000
- Funding Time: As little as 30 days
- Purpose: Business Working Capital
- Variable Interest Rate: Prime Rate + 3.75% margin (your interest rate and monthly payment may change whenever the Prime Rate changes, which is generally adjusted quarterly)
- Repayment Term: Up to 10 years
- Low Fees
- Available for Small Businesses
Additionally, if you need more funding, you may be able to apply for another SBA loan with a different lender approximately 90 days after receiving your SBA Express loan.
Basic Eligibility Requirements
- FICO Score of 675 or higher
- No bankruptcies within the past 7 years
- No outstanding tax liabilities
- No outstanding Merchant Cash Advance (MCA) debt
- Existing SBA loans are acceptable
- Business must have been operating for at least 2 years
- U.S. Citizens only
Required Documents
- Last 2 years of Business Tax Returns
- Last 2 years of Personal Tax Returns
- Year-to-Date (YTD) Profit & Loss Statement and Balance Sheet
- Business Debt Schedule
- Government-issued ID
- Credit Application
Restricted Industries
Please consult with your accountant to determine whether your business’s industry classification and NAICS code fall within any of the restricted industries listed below.
Businesses operating in the industries listed below are not eligible for this program.
NAICS | Restricted Industries |
| 111110 | Soybean Farming |
| 111120 | Oilseed (except Soybean) Farming |
| 111130 | Dry Pea and Bean Farming |
| 111140 | Wheat Farming |
| 111150 | Corn Farming |
| 111160 | Rice Farming |
| 111191 | Oilseed and Grain Combination Farming |
| 111199 | All Other Grain Farming |
| 111211 | Potato Farming |
| 111219 | Other Vegetable (except Potato) and Melon Farming |
| 111310 | Orange Groves |
| 111320 | Citrus (except Orange) Groves |
| 111331 | Apple Orchards |
| 111332 | Grape Vineyards |
| 111333 | Strawberry Farming |
| 111334 | Berry (except Strawberry) Farming |
| 111335 | Tree Nut Farming |
| 111336 | Fruit and Tree Nut Combination Farming |
| 111339 | Other Noncitrus Fruit Farming |
| 111411 | Mushroom Production |
| 111419 | Other Food Crops Grown Under Cover |
| 111421 | Nursery and Tree Production |
| 111422 | Floriculture Production |
| 111910 | Tobacco Farming |
| 111920 | Cotton Farming |
| 111930 | Sugarcane Farming |
| 111940 | Hay Farming |
NAICS | Restricted Industries |
| 111991 | Sugar Beet Farming |
| 111992 | Peanut Farming |
| 111998 | All Other Miscellaneous Crop Farming |
| 112111 | Beef Cattle Ranching and Farming |
| 112112 | Cattle Feedlots |
| 112120 | Dairy Cattle and Milk Production |
| 112130 | Dual-Purpose Cattle Ranching and Farming |
| 112210 | Hog and Pig Farming |
| 112310 | Chicken Egg Production |
| 112320 | Broilers and Other Meat Type Chicken Production |
| 112330 | Turkey Production |
| 112340 | Poultry Hatcheries |
| 112390 | Other Poultry Production |
| 112410 | Sheep Farming |
| 112420 | Goat Farming |
| 112511 | Finfish Farming and Fish Hatcheries |
| 112512 | Shellfish Farming |
| 112519 | Other Aquaculture |
| 112910 | Apiculture |
| 112920 | Horses and Other Equine Production |
| 112930 | Fur-Bearing Animal and Rabbit Production |
| 112990 | All Other Animal Production |
| 113110 | Timber Tract Operations |
| 113210 | Forest Nurseries and Gathering of Forest Products |
| 113310 | Logging |
| 114111 | Finfish Fishing |
| 114112 | Shellfish Fishing |
NAICS | Restricted Industries |
| 114119 | Other Marine Fishing |
| 114210 | Hunting and Trapping |
| 115112 | Soil Preparation, Planting, and Cultivating |
| 115113 | Crop Harvesting, Primarily by Machine |
| 115114 | Postharvest Crop Activities (except Cotton Ginning) |
| 115115 | Farm Labor Contractors and Crew Leaders |
| 115116 | Farm Management Services |
| 115210 | Support Activities for Animal Production |
| 115310 | Support Activities for Forestry |
| 212210 | Iron Ore Mining |
| 212230 | Copper, Nickel, Lead, and Zinc Mining |
| 212311 | Dimension Stone Mining and Quarrying |
| 212312 | Crushed and Broken Limestone Mining and Quarrying |
| 212313 | Crushed and Broken Granite Mining and Quarrying |
| 212319 | Other Crushed and Broken Stone Mining and Quarrying |
| 212321 | Construction Sand and Gravel Mining |
| 213112 | Support Activities for Oil and Gas Operations |
| 221111 | Hydroelectric Power Generation |
| 221112 | Fossil Fuel Electric Power Generation |
| 221113 | Nuclear Electric Power Generation |
| 221114 | Solar Electric Power Generation |
| 221115 | Wind Electric Power Generation |
| 221116 | Geothermal Electric Power Generation |
| 221117 | Biomass Electric Power Generation |
| 221118 | Other Electric Power Generation |
| 221121 | Electric Bulk Power Transmission and Control |
| 221122 | Electric Power Distribution |
NAICS | Restricted Industries |
| 221210 | Natural Gas Distribution |
| 221320 | Sewage Treatment Facilities |
| 236115 | New Single-Family Housing Construction (except For-Sale Builders) |
| 236116 | New Multifamily Housing Construction (except For-Sale Builders) |
| 236117 | New Housing For-Sale Builders |
| 236118 | Residential Remodelers |
| 236210 | Industrial Building Construction |
| 236220 | Commercial and Institutional Building Construction |
| 237110 | Water and Sewer Line and Related Structures Construction |
| 237120 | Oil and Gas Pipeline and Related Structures Construction |
| 237130 | Power and Communication Line and Related Structures Construction |
| 237210 | Land Subdivision |
| 237310 | Highway, Street, and Bridge Construction |
| 237990 | Other Heavy and Civil Engineering Construction |
| 238120 | Structural Steel and Precast Concrete Contractors |
| 238130 | Framing Contractors |
| 238150 | Glass and Glazing Contractors |
| 238160 | Roofing Contractors |
| 238170 | Siding Contractors |
| 238210 | Electrical Contractors and Other Wiring Installation Contractors |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors |
| 238290 | Other Building Equipment Contractors |
| 238340 | Tile and Terrazzo Contractors |
| 238390 | Other Building Finishing Contractors |
| 238990 | All Other Specialty Trade Contractors |
| 441120 | Used Car Dealers |
| 484110 | General Freight Trucking, Local |
NAICS | Restricted Industries |
| 484121 | General Freight Trucking, Long-Distance, Truckload |
| 484122 | General Freight Trucking, Long-Distance, Less Than Truckload |
| 487110 | Scenic and Sightseeing Transportation, Land |
| 487210 | Scenic and Sightseeing Transportation, Water |
| 487990 | Scenic and Sightseeing Transportation, Other |
| 512131 | Motion Picture Theaters (except Drive-Ins) |
| 512132 | Drive-In Motion Picture Theaters |
| 521110 | Monetary Authorities-Central Bank |
| 522110 | Commercial Banking |
| 522130 | Credit Unions |
| 522180 | Savings Institutions and Other Depository Credit Intermediation |
| 522210 | Credit Card Issuing |
| 522220 | Sales Financing |
| 522291 | Consumer Lending |
| 522292 | Real Estate Credit |
| 522299 | International, Secondary Market, and All Other Nondepository Credit Intermediation |
| 522310 | Mortgage and Nonmortgage Loan Brokers |
| 522320 | Financial Transactions Processing, Reserve, and Clearinghouse Activities |
| 522390 | Other Activities Related to Credit Intermediation |
| 523210 | Securities and Commodity Exchanges |
| 523910 | Miscellaneous Intermediation |
| 523991 | Trust, Fiduciary, and Custody Activities |
| 523999 | Miscellaneous Financial Investment Activities |
| 524113 | Direct Life Insurance Carriers |
| 524126 | Direct Property and Casualty Insurance Carriers |
| 524128 | Other Direct Insurance (except Life, Health, and Medical) Carriers |
| 525990 | Other Financial Vehicles |
NAICS | Restricted Industries |
| 531110 | Lessors of Residential Buildings and Dwellings |
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) |
| 531130 | Lessors of Miniwarehouses and Self-Storage Units |
| 531190 | Lessors of Other Real Estate Property |
| 551111 | Offices of Bank Holding Companies |
| 551112 | Offices of Other Holding Companies |
| 551114 | Corporate, Subsidiary, and Regional Managing Offices |
| 623110 | Nursing Care Facilities (Skilled Nursing Facilities) |
| 623311 | Continuing Care Retirement Communities |
| 623312 | Assisted Living Facilities for the Elderly |
| 711110 | Theater Companies and Dinner Theaters |
| 711120 | Dance Companies |
| 711130 | Musical Groups and Artists |
| 711190 | Other Performing Arts Companies |
| 711211 | Sports Teams and Clubs |
| 711212 | Racetracks |
| 711219 | Other Spectator Sports |
| 711310 | Promoters of Performing Arts, Sports, and Similar Events with Facilities |
| 711320 | Promoters of Performing Arts, Sports, and Similar Events without Facilities |
| 711410 | Agents and Managers for Artists, Athletes, Entertainers, and Other Public Figures |
| 712110 | Museums |
| 712120 | Historical Sites |
| 712130 | Zoos and Botanical Gardens |
| 712190 | Nature Parks and Other Similar Institutions |
| 713210 | Casinos (except Casino Hotels) |
| 713290 | Other Gambling Industries |
| 713910 | Golf Courses and Country Clubs |
| 713930 | Marinas |
| 713940 | Fitness and Recreational Sports Centers |
| 721120 | Casino Hotels |
| 813110 | Religious Organizations |
| 813940 | Political Organizations |