SBA Export Loan

Export loans are SBA loans up to $5 million designed to help American small businesses expand their export activities, engage in international transactions and enter new foreign markets. They’re best for businesses engaging in international business and growing their businesses in those areas.

The SBA offers three export loan programs to help small businesses secure working capital and international trade financing. These loans provide funding options that may not be available through traditional lenders.


1. SBA Export Express Loan

A streamlined financing option for businesses engaging in export activities, offering fast approval and funding up to $500,000.

Loan Amount: Up to $500,000

Interest Rates: 9.75% – 11.75%

Terms: Up to 7 years for a line of credit, 10–25 years for term loans

This loan is ideal for exporters needing smaller funding amounts with a simplified application process.


2. SBA Export Working Capital Loan

Provides up to $5 million to finance export transactions, including purchase orders from foreign buyers, letters of credit, and long payment cycles.

Loan Amount: Up to $5 million

Interest Rates: 6% – 10% (varies, monitored by SBA)

Terms: Typically 12 months, up to 3 years

This loan ensures exporters have the cash flow needed to fulfill international sales.


3. SBA International Trade Loan

Designed for businesses looking to enter or expand into global markets, this loan provides long-term financing for export expansion, business acquisitions related to international trade, and facility and equipment upgrades.

Loan Amount: Up to $5 million

Interest Rates: 7.50% – 10.00% (same as SBA 7(a))

Terms: 10–25 years, depending on loan use

The SBA International Trade Loan is a great option for businesses aiming to compete and grow in the global marketplace.