Thu Jun 22, 2017 7:54 am EST

The #1 Source For Fast SBA Loans!

SBA Loans Made Easy

SBA Loans Made Easy

Get Express Processing Of Your SBA Loan Application Through SBA-Express.com™

Get Express Processing Of Your SBA Loan Application Through SBA-Express.com™

  • No Application Fee
  • No Obligation
  • Up To $10 Million
  • 48 Hour Pre-Qualification*
No Application Fee
No Obligation
Up To $10 Million
48 Hour Pre-Qualification*

Fill Out This Form To Apply To Get Pre-Qualified* For An SBA 7(a), SBA CDC/504, Or SBA Express Loan Or Call Us Toll FREE At 800-697-9792. Fill Out This Form To Apply To Get Pre-Qualified* For An SBA 7(a), SBA CDC/504, Or SBA Express Loan. Or Call Us Toll FREE At 800-697-9792.
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How Does It Work?

The Small Business Administration (SBA) does not make small business loans, they provide partial loan guarantees to participating SBA bank and non-bank lenders. This partial loan guarantee is intended to reduce the risk to a point where a bank is willing to make a loan to a borrower that otherwise might not qualify.

It is free to apply to get pre-qualified for an SBA 7(a) loan, SBA CDC/504 loan, or SBA Express loan through SBA-Express.com™, and if qualified, you will receive a preliminary quote that outlines the rates, terms, fees, and costs associated with an SBA loan for your situation. We do not run a credit check for pre-qualifications, so there is no need to provide your social security number, and if you close on an SBA loan through SBA-Express.com™, we do not charge any fees or commission, we are compensated directly from the SBA lender.

SBA 7(a) loans, have a maximum loan amount of $5 million, and repayment terms of up to 25 years. Loans guaranteed by the SBA are assessed a guarantee fee. This fee is based on the loan’s maturity and the dollar amount guaranteed, not the total loan amount. The lender initially pays the guaranty fee and they have the option to pass that expense on to the borrower at closing. The funds to reimburse the lender can be included in the overall loan proceeds. On loans under $150,000 made after October 1, 2013, the fees will be set at zero percent. On any loan greater than $150,000 with a maturity of one year or shorter, the fee is 0.25 percent of the guaranteed portion of the loan. On loans with maturities of more than one year, the normal fee is 3 percent of the SBA-guaranteed portion on loans of $150,000 to $700,000, and 3.5 percent on loans of more than $700,000. There is also an additional fee of 0.25 percent on any guaranteed portion of more than $1 million.

SBA can guarantee as much as 85 percent on loans of up to $150,000 and 75 percent on loans of more than $150,000. SBA’s maximum exposure amount is $3,750,000. Thus, if a business receives an SBA-guaranteed loan for $5 million, the maximum guarantee to the lender will be $3,750,000 or 75%. SBA Express loans have a maximum guarantee set at 50 percent.

The actual interest rate for a 7(a) loan guaranteed by the SBA is negotiated between the applicant and lender and subject to the SBA maximums. Both fixed and variable interest rate structures are available. The maximum rate is composed of two parts, a base rate and an allowable spread. There are three acceptable base rates (A prime rate published in a daily national newspaper*, London Interbank One Month Prime plus 3 percent and an SBA Peg Rate).

Lenders are allowed to add an additional spread to the base rate to arrive at the final rate. For loans with maturities of shorter than seven years, the maximum spread will be no more than 2.25 percent. For loans with maturities of seven years or more, the maximum spread will be 2.75 percent. The spread on loans of less than $50,000 and loans processed through Express procedures have higher maximums.

For SBA Express loans, the maximum loan amount is $350,000, and the maximum guarantee is 50%. Lenders and borrowers can negotiate the interest rate. Rates can be fixed or variable and are tied to the prime rate (as published in The Wall Street Journal), LIBOR, or the optional peg rate (published quarterly in the Federal Register) but they may not exceed SBA’s maximum rates. Lenders may charge up to 6.5 % over the base rate for loans of $50,000 or less, and up to 4.5 % over the base rate for loans over $50,000.

For SBA CDC/504 loans, rates are pegged to an increment above the current market rate for 5-year and 10-year U.S. Treasury issues, with terms of 10 or 20 years, and SBA fees totaling approximately 3 percent the debenture and may be financed with the loan.

Since the new economic recovery package is in place, getting an SBA loan is easier, faster and more cost effective than ever, and banks as well as non bank SBA lenders across the country are looking to make new small business loans.

When you apply for an SBA Loan through SBA-Express.com™, you get access to the nations top SBA Lenders who are eager to respond quickly to qualified SBA loan requests. In fact, most of our participating SBA lenders are prepared to Pre-Qualify* borrowers who meet their requirements in as fast as 48 Hours!

And best of all, applying for an SBA Loan through SBA-Express.com™ is absolutely FREE! Simply complete and submit the express application form found to the top of this page, and your SBA Loan request will be expedited and reviewed by a participating SBA-Express.com™ Lender with top priority.

If you have any questions, please click here to contact us, or call us toll free at 800-697-9792.

Start A Business

Qualified borrowers can use an SBA small business loan to start a new business. The SBA loan proceeds can be used to buy equipment and inventory, purchase or develop real estate, and more.

Expand A Business

An SBA loan can be used to expand your business by purchasing additional equipment or inventory, financing the development or acquisition of business real estate, or acquire strategic assets.

Operate A Business

The SBA can help your business to operate by providing a loan guarantee for an SBA lender to finance your accounts receivables, refinance or consolidate business debt, or for general working capital.

Purchase A Business Or Franchise

SBA small business loans can be used to purchase and launch a franchise or an existing business, including acquiring the general business assets, intellectual property and business real estate.

Acceptable Industries

Qualified business borrowers in the following industries are eligible (where allowed by law) to apply for an SBA small business loan.

Accounting And Bookkeeping
Advertising And Marketing
Aerospace And Defense
Agriculture And Forestry
Alternative Health Care
Apparel
Arts And Humanities
Automotive
Aviation
Banking
Biotechnology
Broadcasting
Business Products
Business Services
Chemical
Computer
Comunications
Construction
Consulting
Consumer Products
Consumer Services
Cosmetics
Education
Elder Care
Electronics
Energy

Entertainment And Leisure
Environmental
Exercise And Fitness
Fashion
Finance
Financial Services
Food And Beverage
Gambling
Health And Wellness
Health Care
Hobby And Crafts
Home And Garden
Hospitality And Lodging
Human Resources
Import And Export
Information Technology
Insurance
Internet
Legal
Logistics
Manufacturing
Maritime
Medical
Mining And Drilling
Moving And Storage
Nanotechnology

News And Media
Nutrition
Oil And Gas
Parenting
Pets
Pharmaceutical
Photography
Printing
Publishing
Real Estate Services
Recreation
Retail
Robotics
Sales And Marketing
Science
Software
Sports
Technology
Telecommunications
Textile
Tourism
Transportation
Travel
Utilities
Wholesale
Wildlife

Acceptable Business Real Estate

The following types of properties are considered acceptable business real estate (where allowed by law) for SBA small business loans.

Assisted Living Facility
Auto Body Shop
Bed and Breakfast
Car Wash
Convenience Store
Dry Cleaning
Funeral Home
Gas Station
Hotel

Industrial (light)
Land (entitled)
Land (raw)
Manufacturing
Marina
Medical Office
Mixed Use
Mobile Home or RV Park
Nursing Home

Office Building
Resort
Restaurant
Restaurant/Bar
Retail
Self Storage
Strip Mall
Special Use
Warehouse

GEOGRAPHIC STATES

We Provide SBA Financing In The Following States Where Allowed By Law

Alabama (AL)
Alaska (AK)
Arizona (AZ)
Arkansas (AR)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Dis. Of Columbia (DC)
Florida (FL)
Georgia (GA)
Idaho (ID)
Indiana (IN)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)

Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
Ohio (OH)
Oklahoma (OK)

Oregon (OR)
Pennsylvania (PA)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)

Preferred Geographies

Market Direct Capital™ offers SBA 7(a), SBA Express, and CDC/504 small business loans throughout the above States (where allowed by law), but with a primary focus in and near the following major geographies:

Albany
Albuquerque
Annapolis
Arlington
Atlanta
Augusta
Austin
Baltimore
Baton Rouge
Birmingham
Boston
Brooklyn
Cambridge
Central Jersey
Charleston
Chattanooga
Cincinnati
Cleveland
Columbus
Corpus Christi
Dallas
Denver
Des Moines
Detroit
Fort Lauderdale
Fort Wayne

Galveston
Grand Rapids
Hartford
Hoboken
Houston
Indiana
Indianapolis
Jacksonville
Jersey City
Jersey Shore
Kansas City
Las Vegas
Lincoln
Little Rock
Louisville
Manchester
Manhattan
Memphis
Miami
Milwaukee
Minneapolis
Nantucket
Nashville
New Haven
New Orleans
New York City

Newburgh
Newport
Norfolk
North Jersey
NY
NYC
Oakland
Philadelphia
Phoenix
Pittsburgh
Portland
Providence
Raleigh
Richmond
Salt Lake City
San Antonio
Seattle
Sioux City
South Jersey
Spokane
St Louis
Tampa
Virginia Beach
Washington
Wichita

*Disclaimer: SBA-Express™ is brought to you by Market Direct Capital™ a service of Market Direct Enterprises LLC. (MDE). MDE evaluates and entertains commercial financing opportunities on behalf of our self and/or our investors, lenders, backers and partners. Loans are only available where allowed by law. Only certain types of business loans can be pre-qualified in 48 hours. Programs, qualifications, terms and services are subject to change or be withdrawn at any time, without notice. MDE reserves the right to decline to accept your loan request for processing, in its sole and absolute discretion. If accepted for processing and submitted to an SBA lender, there is no guarantee that a participating SBA lender will accept, process, approve or close your loan request Acceptance for processing and approval of all SBA loan application is at the sole discretion of the participating SBA Lenders, and not SBA-Express.com™. Getting pre-qualified by an SBA Lender is not an approval or a commitment, it is a preliminary indication that there is interest from an SBA lender. Approvals and commitments are subject to full underwriting, acceptance and approval by the Lender in their sole and absolute discretion. Please visit our terms of service page for additional information about SBA-Express.com™and it's services.