SBA Express—streamlined capital for smaller, time-sensitive needs
SBA Express is designed to speed decisions for smaller requests. It’s a fit for working capital, equipment, short-term projects, and bridge-style needs that benefit from a simpler credit review. Since 2009, Market Direct Capital has helped owners shape lender-ready files and match requests with Preferred SBA Lenders (PLP) so the path from pre-qual to closing is clear and efficient.
When Express makes sense
Choose Express when the objective is speed and simplicity, and the dollar amount is smaller than a traditional 7(a). It’s helpful for smoothing seasonality, funding deposits or small equipment, covering ramp-up working capital, or opportunistic buys with short windows. Some lenders also offer revolving options suited to recurring needs.
Typical uses
Working capital for inventory and payables, smaller equipment purchases, software and technology, tenant improvements with modest budgets, and refinancing of eligible short-term business debt. For larger or more complex projects—especially those involving business owner-occupied real estate—7(a) or CDC/504 may be a better lane. We’ll help you choose the right tool and avoid over- or under-structuring.
Structure & terms
Express decisions are streamlined within SBA guidelines. Terms for term loans are commonly shorter than a full 7(a) real-estate loan and are sized to the economic life of the use of funds. Interest rates are lender-set within SBA limits, and documentation is focused on cash flow support and a clear use-of-funds story. Revolving options—where offered—can provide flexibility for timing gaps and recurring working-capital cycles.
Process with Market Direct Capital
We start with a quick pre-qualification: goals, timing, and the cleanest structure to meet them. From there we build an underwriter-ready package—concise narrative, sources and uses, cash-flow view, and (when helpful) a short-form projection to validate repayment. We prioritize PLP lenders experienced with Express decisions so you benefit from a faster, clearer review.
Throughout underwriting and closing, we anticipate information requests, coordinate third-party items (if any), and keep you updated at each milestone—so the process feels organized, not drawn out.
Getting started
Share your timeline, use of funds, and any prior debt you’d like to refinance. We’ll confirm eligibility, outline a practical path, and set expectations for a smooth decision.