SBA Express API and MCP Server

The figures on this site are available to software and AI agents for free: SBA Express program rules, today's maximum rates from the live prime rate, the FY2027 guaranty fee, payment math, and lender and state data from SBA's loan-level file. Use the JSON API directly or connect an AI assistant through MCP.

Connect an AI assistant (MCP)

The MCP server speaks Streamable HTTP with stateless JSON-RPC. In an assistant that supports remote MCP servers or custom connectors, add this URL:

https://www.sbaexpress.loans/api/sba-express/mcp

For clients configured with JSON:

{
  "mcpServers": {
    "sbaexpress": {
      "type": "http",
      "url": "https://www.sbaexpress.loans/api/sba-express/mcp"
    }
  }
}

No key and no sign-up. The server exposes the 9 tools below.

JSON API

Every tool is also a plain HTTPS endpoint at https://www.sbaexpress.loans/api/sba-express/<tool>. Pass inputs as query parameters on a GET or as a JSON body on a POST. The index at https://www.sbaexpress.loans/api/sba-express lists each tool with its inputs.

Tool	Returns	Example
`get_program_terms`	Program rules: maximum loan, guaranty, rate caps, line of credit rules, FY2027 fees and exceptions, with sources.	`/api/sba-express/get_program_terms`
`get_max_rates_today`	Today's maximum rate by loan size, from live WSJ Prime plus SBA's capped spread.	`/api/sba-express/get_max_rates_today?amount=300000`
`estimate_guaranty_fee`	SBA upfront guaranty fee, FY2027 schedule, SBA Express or standard 7(a).	`/api/sba-express/estimate_guaranty_fee?amount=500000&program=express`
`estimate_payment`	Monthly payment and total interest, checked against today's rate cap.	`/api/sba-express/estimate_payment?amount=250000&rate=10.5&years=10`
`get_program_statistics`	Loans by year, sizes, borrower types, industries, rates at approval, charge-offs.	`/api/sba-express/get_program_statistics`
`list_lenders`	Most active SBA Express lenders, nationally or in one state.	`/api/sba-express/list_lenders?state=TX`
`get_lender`	One lender's SBA Express record.	`/api/sba-express/get_lender?name=TD%20Bank`
`get_state`	SBA Express lending in one state.	`/api/sba-express/get_state?state=Florida`
`get_financing_link`	Where a business owner can request SBA Express financing options.	`/api/sba-express/get_financing_link`

Bulk data

The lender table is a CSV and the full statistics summary is JSON, both with open CORS. They are rebuilt when SBA publishes a new loan file; the current data is as of June 30, 2026.

Terms of use

Free for any use, including commercial. Please credit sbaexpress.loans and link to the page the figure came from.
Rates use the WSJ Prime from the Federal Reserve's bank prime loan series, read live. Statistics come from SBA's 7(a) FOIA file. Fees come from SBA Information Notice 5000-881797.
No uptime guarantee. If the live prime feed is unavailable, the rate tool says so rather than guessing.
Results are program limits and estimates, not loan offers. sbaexpress.loans is not a lender and is not affiliated with the U.S. Small Business Administration.

Questions or a tool you would like added: contact us.

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