Small Business Administration (SBA) 7(a) Patriot Express Loan Program

A subprogram of the SBA 7(a) Loan Program, the SBA 7(a) Patriot Express Loan program is designed to provide veterans and families of veterans with funding to establish or expand a small business.

Eligible Borrowers:

  • Veterans and service-disabled veterans
  • Active-duty members in TAP
  • National Guard members and reservists
  • Current spouses of the aforementioned
  • Widowed spouse(s) of a service member or veteran who died during service or of a service-connected disability

Loan Amounts

  • Maximum: $500,000
  • Minimum: $50,000

Guaranty Percentages

  • 85% up to $150,000
  • 75% over $150,000 up to $500,000


  • Working capital: Up to 7 years
  • Equipment: Up to 10 years
  • Fixed assets (real estate): Up to 25 years

Approved Uses of Proceeds

  • Land acquisition
  • Construction or renovation
  • Purchase of machinery or equipment
  • Purchase of furniture or fixtures
  • Working capital
  • Inventory
  • Seasonal line of credit
  • Refinancing existing debt
  • Purchase of an eligible business

© 2024 All rights reserved.