How much of an Export Express loan does SBA guarantee?
Short answer
90% on loans of $350,000 or less and 75% on larger loans up to $500,000 (SOP 50 10 8.1, Appendix 16, Para. B.5). Loans approved within 90 days of each other can lower that percentage.
SBA guarantees 90% of an Export Express loan of $350,000 or less. Larger loans, up to $500,000, carry 75% (SOP 50 10 8.1, Appendix 16, Para. B.5).
The 90-day rule
Suppose more than one Export Express loan to you, including affiliates, is approved within 90 days of each other. If the combined gross amount exceeds $350,000, the second loan's guaranty must be reduced so the combined guaranty is no more than 75% (Para. B.5).
An illustration: a first loan of $300,000 at 90% has $270,000 guaranteed. A second loan of $150,000 within 90 days brings the total to $450,000. The combined guaranty cannot exceed $337,500, so the second loan can carry only $67,500, or 45%.
Other guaranty limits
The guaranteed amount of all Export Express loans counts toward the $3,750,000 cap on SBA's exposure to you and your affiliates (Para. B.5). When a lender works out the percentage, it must include the approved amount of a revolving line (Sec. B, Ch. 5, Para. A.3.b).
Why it is higher
SBA says the higher guaranty is meant to mitigate international credit risk (sba.gov/sba-lenders, read November 8, 2026).
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