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SBA RIN: 3245-AH85 Publication ID: Fall 2022 
Title: Express Loan Programs 

The SBA Express loan program reduces the number of Government mandated forms and procedures. It also streamlines the processing and reduces the cost of smaller, less complex SBA loans. Particular features of the SBA Express loan program include: (1) SBA Express loans carry a maximum SBA guaranty of 50 percent; (2) SBA Express lenders use, to the maximum extent practicable, their own documentation, analyses, policies and procedures; and (3) a response to an SBA Express loan application will be given within 36 hours. The Export Express Program, made permanent by the Small Business Jobs Act, makes guaranteed financing available for export development activities. SBA plans to codify specific guidance on these two 7(a) delivery methods as well as the CARES Act authorization to permanently increase the maximum loan amount from $350,000 to $500,000 for SBA Express, which is effective October 1, 2021.

Agency: Small Business Administration(SBA)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: No  Unfunded Mandates: No 
CFR Citation: 13 CFR 120    13 CFR 121   
Legal Authority: secs. 7(a)(31) and 7(a)(34) of the Small Business Act   
Legal Deadline:  None
Action Date FR Cite
NPRM  06/00/2023 
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
Dianna L. Seaborn
Director, Office of Financial Assistance
Small Business Administration
409 Third Street SW,
Washington, DC 20416
Phone:202 205-3645