# Is the SBA Patriot Express loan still available?

**Short answer:** No. The Patriot Express Pilot Loan Initiative ended December 31, 2013 (80 FR 80872). Veterans can use SBA Express today, where the upfront guaranty fee is $0 for eligible veteran-owned businesses (13 CFR 120.220(a)(3)).

Canonical page: https://www.sbaexpress.loans/answers/patriot-express-loan-status/
Last checked: 2026-11-09

No. The Patriot Express Pilot Loan Initiative ended December 31, 2013. SBA confirmed that in a later Federal Register notice (80 FR 80872, December 28, 2015).

## What it was

Patriot Express began in 2007 and was built on the SBA Express program. It offered a 75 to 85 percent guaranty rather than the 50% on SBA Express. The maximum was $500,000, for businesses owned by eligible members of the military community (75 FR 77935).

## What is available now

- SBA Express: a loan or line of credit of up to $500,000, with a 50% guaranty (SOP 50 10 8.1, Sec. B, Ch. 2).
- The upfront guaranty fee on SBA Express is $0 for businesses a veteran or veteran's spouse owns and controls (13 CFR 120.220(a)(3)).
- 7(a) Small and Standard 7(a) loans carry 85% on loans of $150,000 or less and 75% on larger loans (Appendix 16, Para. A.1).

SOP 50 10 8.1 lists no veteran-only loan program.

## If you still have a Patriot Express loan

An outstanding Patriot Express loan counts toward the $500,000 aggregate limit for new SBA Express borrowing (Sec. B, Ch. 2, Para. B.1). Your loan's own terms still govern it.

## Sources

- [80 FR 80872 (Dec. 28, 2015)](https://www.govinfo.gov/content/pkg/FR-2015-12-28/pdf/2015-32583.pdf)
- [75 FR 77935 (Dec. 14, 2010)](https://www.govinfo.gov/content/pkg/FR-2010-12-14/pdf/2010-31353.pdf)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR § 120.220(a)(3)](https://www.ecfr.gov/current/title-13/section-120.220)
- [SBA Information Notice 5000-881797, p. 3; 13 CFR § 120.220(a)(3); SOP 50 10 8.1, Sec. A, Ch. 4, Para. C.1 (Para. C begins p. 62)](https://legacy.sba.gov/document/information-notice-5000-881797-fy-2027-7a-program-fees)