# What paperwork does an SBA Express application require?

**Short answer:** SBA Form 1919 plus whatever your lender requires. SBA Express lenders primarily use their own forms (sba.gov/sba-lenders), and SOP 50 10 8.1, Appendix 20, Para. B.3 also requires IRS tax transcripts.

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

SBA Form 1919 plus whatever your lender's own process requires. SBA says SBA Express lenders primarily use their own forms and procedures (sba.gov/sba-lenders, read November 8, 2026). SOP 50 10 8.1, Appendix 20, Para. B.3 sets the SBA minimums.

## Expect at least these items

- SBA Form 1919, signed, with a separate one for each co-borrower (Appendix 20, Para. A.1.a).
- A personal financial statement for each owner of 20% or more (Para. A.1.c).
- Proof of U.S. national status, if that applies (Para. A.1.m).
- A copy of your lease, if you lease (Para. A.1.e).
- Franchise, real estate purchase or business purchase documents, when relevant (Para. A.1.i-k).
- Notes and statements for any debt being refinanced (Para. A.1.l).

Equipment and collateral lists are needed only as far as necessary to document the use of proceeds and support the credit analysis (Para. B.3).

## IRS tax transcripts

The lender must get IRS tax transcripts in every case. How it uses them depends on whether it underwrites on your business financials (Sec. A, Ch. 5, Para. B.4.g).

## Loan documents

The lender may use its own note and guaranty forms or SBA Forms 147, 148 and 148L (Sec. B, Ch. 6, Para. D.4). Lenders can ask for more than SBA requires, and requests vary by lender.

## Sources

- [SBA, Terms, conditions and eligibility for 7(a) lenders, sba.gov/sba-lenders (read November 8, 2026)](https://www.sba.gov/sba-lenders)
- [SOP 50 10 8.1, Appendix 20, Paras. A.1 (p. 416) and B.3 (Para. B begins p. 419)](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. A, Ch. 5, Para. B (p. 95)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SBA Form 1919 (02/2025)](https://legacy.sba.gov/document/sba-form-1919-borrower-information-form)