Traditional banks have strict requirements that often shut small businesses out—but the SBA 7(a) Express Standard loan changes that. It offers up to $350,000 in fast, flexible funding with approvals in as little as 36 hours. With competitive rates, 10 year terms, and no collateral required in many cases, it’s an easier way to access the capital your business needs. Whether you’re dealing with seasonal slowdowns, stocking inventory, or investing in equipment, this working capital helps bridge the gap quickly—without the red tape of traditional lenders.