SBA loan type · from the federal record
SBA Express: who lends it, and what to expect
SBA Express is the small-and-fast lane — smaller loans, quicker turnaround, a thinner guarantee. In the last five years it was 36.6% of all SBA 7(a) loans, at a typical size of $50k. Below: the rules, who actually writes it, and how its loans have performed.
The rules, in plain English
Best for: small, fast working capital. Rules current to SOP 50 10 8 (effective June 1, 2025); amounts and guarantees can change.
Who actually lends SBA Express
most SBA Express loans, last 5 years| Lender | SBA Express loans | Share of its lending |
|---|---|---|
| The Huntington National Bank | 12,795 | 14.8% |
| TD Bank, National Association | 11,137 | 12.9% |
| U.S. Bank, National Association | 8,220 | 9.5% |
| Manufacturers and Traders Trust Company | 6,291 | 7.3% |
| JPMorgan Chase Bank, National Association | 5,570 | 6.5% |
| Wells Fargo Bank National Association | 4,965 | 5.8% |
| KeyBank National Association | 2,099 | 2.4% |
| Bank of America, National Association | 1,934 | 2.2% |
| Columbia Bank | 1,779 | 2.1% |
| PNC Bank, National Association | 1,341 | 1.6% |
These are the lenders writing the most SBA 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 SBA Express loans, 2,783 financed a business acquisition and 7,688 opened a startup. Its busiest states are NY, CA, OH.
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 86,237 funded loans over the last five fiscal years; the default rate covers 220,865 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) → CAPLines → Community Advantage → Export Working Capital (EWCP) → International Trade → Export Express →