SBA Export Loan Programs

Export Express Loan

SBA Export Express offers financing up to $500,000. It is the simplest export loan product offered by the SBA and allows participating lenders to use their own forms and procedures. The SBA determines eligibility and provides a loan approval in 36 hours or less.


Any business that has been in operation, although not necessarily in exporting, for at least 12 full months and can demonstrate that the loan proceeds will support its export activity is eligible for Export Express. The 12-months in business requirement can be waived if the borrower’s key personnel can demonstrate export expertise and successful previous business experience and the lender uses conventional commercial loan underwriting procedures and does not rely solely on credit scoring. 

Use of Proceeds

Loan proceeds may be used for business purposes that will enhance a company’s export development. Export Express can take the form of a term loan or a revolving line of credit. For example, you can use funds to participate in a foreign trade show, support standby letters of credit and translate product literature for use in foreign markets. You may also use funds to finance specific export orders, expand production facilities, and purchase equipment inventory or real estate

Export Working Capital Program

The Export Working Capital (EWCP) loan provides advances for up to $5 million to fund export transactions from purchase order to collections. This loan has a low guaranty fee and quick processing time.

Application Process

With an approved EWCP loan in place, you have greater flexibility in negotiating export payment terms. However, disbursements can only be made against firm purchase orders from a foreign buyer or to support foreign accounts receivable.

Use of Proceeds

  • Financing for suppliers, inventory, WIP,  or production of export goods or services
  • Working capital to support foreign accounts receivable during long payment cycles
  • Financing for stand-by letters of credit used as bid or performance bonds or as down payment guarantees 

International Trade Loan Program

The International Trade Loan offers loans up to $5 million for fixed assets and working capital for businesses that plan to start or continue exporting.


  • International Trade Loans are available if your small business is in a position to expand existing export markets or develop new export markets. These loans are also available if your small business has been adversely affected by import competition and can demonstrate that the loan proceeds will improve your competitive position.

Use of Proceeds

  • The borrower may use loan proceeds to acquire, construct, renovate, modernize, improve, or expand facilities and equipment to be used in the United States to produce goods or service involved in international trade and to develop and penetrate foreign markets. Funds also may be used to refinance an existing loan.
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