What is the maximum SBA Express loan amount?
Short answer
The SBA Express maximum is $500,000 gross, and it is an aggregate limit. It counts every SBA Express loan outstanding to you and your affiliates (SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1).
The SBA Express maximum is $500,000 gross. SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 sets it as an aggregate limit, so it applies to all your SBA Express loans together, not to each loan.
What counts toward the limit
- Every outstanding SBA Express loan to you and your affiliates.
- Outstanding loans from the former Community Advantage Pilot, Community Express and Patriot Express programs.
7(a) Small loans do not count toward it (Para. B.1.b).
How affiliates are treated
If you have affiliates, SBA's loan maximums apply to the group as if it were one business. The lender must determine whether affiliates exist and document the result (Para. B.1.c; 13 CFR 120.151).
Related ceilings
- An SBA Express loan may not be increased above $500,000 (Para. C.2).
- SBA Express and 7(a) Small guaranteed amounts count toward the $3,750,000 cap for you and your affiliates (Appendix 16, Para. B.2).
If you need more
SBA Express is not the only 7(a) option. A Standard 7(a) loan can reach $5,000,000 (13 CFR 120.151). A CAPLine can reach $5,000,000 (Sec. B, Ch. 4, Para. B.1).
Ask lending partners about your loan
Tell us the amount you need and what it is for. We refer you to lenders that may fund businesses like yours, and it costs you nothing.
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