SBA Express Term Loans

Express loans to accelerate your business

Streamline your SBA loan process

SBA Express term loans are ideal for business expansion including working capital, inventory, funding tenant improvements, and purchasing machinery and equipment. A subset of the 7(a) loan program, SBA Express offers faster access with longer terms and lower down payment requirements versus conventional loans.

Capital solutions

Secure loan amounts up to $350,000.

Longer repayment periods

Expand repayment terms up to 10 years.

Lower down payments

Get up to 100% financing.

Express Loan features

SBA Express at a glance

SBA Express details


Up to 100% financing—flexible use of proceeds for expansion, including tenant improvements, equipment, franchise financing, accounts receivable and inventory needs

Loan Amount

$50,000 to $350,000

Down PaymentD

Up to 100% financing available

Interest Rate

Competitive variable rate options


Up to 10 years full amortization with no balloon payments—initial flexible payment schedules

Prepayment Penalty


For loan requests for business acquisitions or real estate, view our SBA 7(a) or 504 term loans.

How it works

SBA Express loan process steps

Our experts are here to quickly guide you through the entire lending process from start to finish.

Step 1

Discuss and Prepare

Reach out to your SBA business development officer to discuss your needs and complete the initial application package.

Step 2

Underwriting Review

As an SBA preferred lender, we offer an expedited decisioning process.

Step 3

Access Capital

At closing, funds are readily available for business use.


People often ask us

Both business and personal credit scores are key for loan consideration. The higher the blended scores, the greater the likelihood for approval.

It depends. For startup businesses, yes—the requirement for startups is a 10% equity injection. For existing businesses that have been in operation for more than 1 year, up to 100% financing may be available.

Once a full application is submitted, the targeted funding date can be 45 days or less.

In order to qualify for an SBA Express loan, your business must:

  • Be organized for profit
  • Be located and primarily operate in the US
  • Meet SBA size standards
  • Demonstrate the need for financing
  • Document that SBA loan proceeds will be used for business purposes
  • Not have a history of defaulting on a federal loan or federally assisted financing, creating a loss to the federal government

SBA insights for your business

No results found

Subject to credit approval.

Approved to offer SBA loan products under the SBA Preferred Lenders program.

First Citizens Bank offers SBA 7(a) loans in select areas within Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, Texas, South Carolina, Virginia, Washington and West Virginia.

Equity injection requirements will vary depending on type and amount of financing being requested.

Term of the loan will depend on use of funds.

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