SBA loan type · from the federal record
Export Express: who lends it, and what to expect
Export Express is the express lane for exporters — streamlined approval, capped size. In the last five years it was 0.0% of all SBA 7(a) loans, at a typical size of $326k. Below: the rules, who actually writes it, and how its loans have performed.
The rules, in plain English
Best for: fast export financing. Rules current to SOP 50 10 8 (effective June 1, 2025); amounts and guarantees can change.
Who actually lends Export Express
most Export Express loans, last 5 years| Lender | Export Express loans | Share of its lending |
|---|---|---|
| Zions Bank, A Division of | 12 | 12.6% |
| GBC International Bank | 10 | 10.5% |
| Banner Bank | 4 | 4.2% |
| Needham Bank | 4 | 4.2% |
| Amerant Bank, National Association | 3 | 3.2% |
| Eastern Bank | 3 | 3.2% |
| Fulton Bank, National Association | 3 | 3.2% |
| Lake Michigan CU | 3 | 3.2% |
| Bank of New Hampshire | 3 | 3.2% |
| Webster Bank National Association | 2 | 2.1% |
These are the lenders writing the most Export Express loans in the federal record — the right doors to knock on for this product. Match your specific deal to lenders →
What borrowers use it for
Of recent Export Express loans, 4 financed a business acquisition and 1 opened a startup. Its busiest states are MA, UT, FL.
How we know
so you can check itSource. SBA’s 7(a) FOIA release of 2026-06-30. The program is read from the loan-level processing method field. Size and share cover 95 funded loans over the last five fiscal years; the default rate covers 1,160 loans approved through 2018 and old enough to judge. The federal file records approved loans only, so it cannot tell you the odds of approval — only what got funded, and by whom.
The other SBA loan types
Standard 7(a) → SBA Express → CAPLines → Community Advantage → Export Working Capital (EWCP) → International Trade →