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SBA Express Loan

Add a line of credit for working capital.

At First National Bank Small Business Finance, we offer SBA Express Loans as additional lines of credit with the SBA 7(a) and SBA 540 Loan Programs. These lines can be used as revolving lines of credit – to help restock inventories and support larger revenue sales, which are particularly critical for small businesses.

To Schedule an Appointment:

    • Guaranteed icon

      Guaranteed by the SBA

    • Arrows

      Flexible line of credit

    • Stack of Money

      For purchasing assets, working capital, debt refinance

  • About SBA Express Loans:

    The SBA allows an Express Loan to be structured as either a straight term loan or as a credit line. At First National Bank Small Business Finance, we do not offer the Express Loan as a stand-alone product, but rather as an additional product along with an SBA 7(a) Advantage Loan or SBA 504 Grow Loan as a credit line for working capital.

    A Flexible Commercial Finance Product:

    Our typical structure on an Express Loan is to have a Working Capital Line that can be drawn on for two years, with any balance outstanding after two years to be repaid on a 5 year term for a total term of 7 years. SBA Express Loans have a maximum amount of $350,000, and usually have a 5-7 year term. Loan proceeds can be used for all the same purposes as the SBA Advantage loan.

    Your Account Benefits:

    • Lower Equity Injection requirements to keep more working capital in the business
    • Longer term of loan to keep required payments lower every month
    • Fully amortizing loans – no balloon payments or refinance required
    • Combine many uses of funds into one loan (Advantage Loan)
    • No loan covenants that may impact business operations

  • Applying for an SBA Loan:

    Our objective is to make the borrowing process simple and straightforward. You can begin by adding this product to your cart. During the checkout process you can select the option to set up time to meet with one of our experts.

    Required Identification:

    Depending on your type of organization, we may need one or more of the following documents when opening your account. These may include:

    • Department of State printout of business registration/Government-issued business license
    • CPA-signed tax return
    • Articles of Incorporation or Articles of Organization
    • Bylaws or Operating Agreement
    • Partnership Agreement

    Have the following available for your appointment:

    • All current mortgage statements
    • Current bank statements and/or account balances
    • List of all owners having 20% or more ownership in the subject business along with any affiliates (if applicable)
    • List of all current business debts and their respective monthly payments
    • Tax Identification Number for the business and/or its affiliates.
    • DUNS (Data Universal Numbering System) number

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Notices & Disclosures
  • NMLS #766529
  • SBA Lender
  • Some applications may require further consideration and additional information may be requested. Credit terms are subject to approval.
  • Normal credit standards apply. Maximum amount of credit is subject to SBA Program limitations.

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