Calculate payments for SBA Express loans with expedited processing. Perfect for quick funding needs up to $500,000.
See payment examples for popular SBA Express loan amounts. These fast-track loans offer expedited processing with competitive rates for amounts up to $500,000.
| Loan Amount | Rate | Term | Monthly Payment | Total Interest | Total Cost |
|---|---|---|---|---|---|
| $50,000 | 11.0% | 7 years | $792 | $16,334 | $66,334 |
| $150,000 | 10.5% | 10 years | $1,982 | $87,840 | $237,840 |
| $350,000 | 11.5% | 10 years | $4,905 | $238,600 | $588,600 |
SBA Express loans provide 36-hour approval decisions compared to 30-90 days for regular SBA loans. Perfect for time-sensitive opportunities and working capital needs.
Express loan rates are typically 1-2% higher than regular SBA 7(a) loans due to reduced SBA guarantee (50% vs 75%). Contact a lender for current rates and personalized quotes.
Expedited review process • Up to $500,000 • 50% SBA guarantee
$75,000 for holiday inventory and staffing
$125,000 for critical equipment replacement
$200,000 for rapid business expansion
$300,000 for large contract working capital
$400,000 to consolidate high-interest debt
$150,000 for critical IT infrastructure
| Feature | SBA Express | Regular SBA 7(a) |
|---|---|---|
| SBA Decision Time | 36 hours | 60-90 days |
| Maximum Loan Amount | $500,000 | $5,000,000 |
| SBA Guarantee | 50% | 75-85% |
| Interest Rates | Prime + 2.25% to 6.75% | Prime + 1.75% to 6.75% |
| Documentation | Streamlined | Comprehensive |
| Best For | Speed & Convenience | Larger Amounts |
Rate = Prime Rate + Lender Margin
Submit streamlined application with basic documentation
Day 1
SBA provides approval/decline decision within 36 hours
Day 2-3
Lender completes underwriting and final approval
Day 4-10
Loan documents signed and funds disbursed
Day 14-21
Compare regular SBA 7(a) loans for larger amounts and lower rates when speed isn't critical.
Calculate SBA 7(a) Payments →See how SBA Express compares to conventional business loans and merchant cash advances.
Compare Financing Options →Compare Express vs 7(a) vs 504 to find the best SBA loan for your situation.
Compare All SBA Types →Check if you qualify for SBA Express loans and see your potential loan amount.
Check My Eligibility →See the latest SBA Express interest rates and how they compare to other options.
View Current Rates →Learn about streamlined requirements and documentation for SBA Express loans.
See Requirements →When time is critical, SBA Express loans provide the speed you need with government backing. Connect with an SBA Express lender to get your 36-hour decision.
Explore our other free SBA loan calculators to find the best financing option for your business
Most flexible SBA loan - working capital, equipment, acquisitions, and real estate up to $5M
Calculate 7(a) Payments →Best for commercial real estate - only 10% down, fixed rates, 90% financing up to $5.5M
Calculate 504 Payments →See how much you save with SBA loans vs conventional loans - side-by-side comparison
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