SBA Express Loans

loans.sbaexpress.www/sbaexpress-loans · v1.2026.1105.0 · finance-and-payments

SBA Express Loans is healthy: it completed an MCP handshake in 1290 ms and exposes 9 tools.

SBA Express program rules, live maximum rates, FY2027 guaranty fees, payments, and lender and state.

Endpoint: https://www.sbaexpress.loans/api/sba-express/mcp (streamable-http)

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Facts

Checked (UTC)	Status	Latency	Error
2026-11-05T21:10:44.990Z	Healthy	1290

`get_program_terms`	SBA Express program rules: maximum loan, SBA guaranty, rate caps by loan size, line of credit rules, FY2027 guaranty fees and exceptions, with sources.
`get_max_rates_today`	Today's maximum variable interest rate for SBA Express (and 7(a)) loans by loan size: live WSJ Prime plus SBA's capped spread. Optionally pass an amount to get the cap for that loan.
`estimate_guaranty_fee`	SBA upfront guaranty fee for an SBA Express or standard 7(a) loan under the FY2027 schedule, with exceptions.
`estimate_payment`	Level monthly payment and total interest for a fully amortizing loan. Also returns today's SBA Express rate cap for the amount.
`get_program_statistics`	SBA Express loans by fiscal year, loan sizes, borrower types, industries, rates at approval and charge-offs, from SBA's loan-level file.
`list_lenders`	Lenders ranked by number of SBA Express loans in the most recent fiscal years. Pass a state to get the most active lenders there.
`get_lender`	A lender's SBA Express lending record: loan count, sizes, line of credit share, top states. Matches on lender name.
`get_state`	SBA Express loan count, dollars, median loan, top lenders and top industries for one state.
`get_financing_link`	Link where a small business owner can request SBA Express financing options; the request is routed to lending partners. Free, no obligation.