# 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.

Canonical page: https://www.sbaexpress.loans/answers/export-express-guaranty/
Last checked: 2026-11-08

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).

## Sources

- [SOP 50 10 8.1, Appendix 16, Para. B.5 (Para. B begins p. 388)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. B, Ch. 5, Para. A.3.b (Para. A begins p. 168)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SBA, Terms, conditions and eligibility for 7(a) lenders, sba.gov/sba-lenders (read November 8, 2026)](https://www.sba.gov/sba-lenders)