SBA Express Loans

loans.sbaexpress.wwwPublished by www.sbaexpress.loansOfficial publisherv1.2026.1105.0Updated Nov 6, 2026

SBA Express program rules, live maximum rates, FY2027 guaranty fees, payments, and lender and state.

VerifiedStreamable HTTPWeb executableFinanceBusiness & Commerce

Overview

AI-generated overview

Gives an assistant SBA Express loan program rules, live rate caps, guaranty fee and payment estimates, plus lender and state lending data.

What you can do
  • Look up SBA Express program terms, including maximum loan, guaranty, rate caps and FY2027 fees
  • Get today's maximum variable rate by loan size, based on live WSJ Prime
  • Estimate the upfront guaranty fee and the level monthly payment and total interest
  • Review program statistics by fiscal year, loan size, borrower type, industry and charge-offs
  • Rank lenders nationally or by state, and pull one lender's lending record
  • Get a state's loan counts, dollars, median loan, top lenders and industries
When to use it
Useful when advising small business owners or analysts on SBA Express borrowing: checking program limits and current rate caps, estimating fees and payments, or comparing lenders and state-level lending activity.
Requirements
Remote streamable HTTP endpoint; no authentication, environment variables or headers declared. Rate caps depend on live WSJ Prime data, so network access is needed.
Before you install
The server states it is not a lender and is not affiliated with SBA, and that it is published by Janover Capital LLC. The financing link routes a business owner's request to lending partners, so treat it as a lead-generation path rather than neutral advice. Estimates are informational, not an offer or approval; verify figures against official SBA sources.

Installation

In SourceWeft

  1. Open SBA Express Loans in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/loans.sbaexpress.www%2Fsbaexpress-loans/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "sba-express-loans": {
      "type": "http",
      "url": "https://www.sbaexpress.loans/api/sba-express/mcp"
    }
  }
}

Tools

9

get_program_terms

SBA Express program terms

SBA Express program rules: maximum loan, SBA guaranty, rate caps by loan size, line of credit rules, FY2027 guaranty fees and exceptions, with sources.

Takes no parameters.

get_max_rates_today

Maximum SBA Express rates today

Today's maximum variable interest rate for SBA Express (and 7(a)) loans by loan size: live WSJ Prime plus SBA's capped spread. Optionally pass an amount to get the cap for that loan.

Parametersamount

estimate_guaranty_fee

SBA guaranty fee (FY2027)

SBA upfront guaranty fee for an SBA Express or standard 7(a) loan under the FY2027 schedule, with exceptions.

Parametersamountrequiredprogramexceptionmaturity_months

estimate_payment

Loan payment estimate

Level monthly payment and total interest for a fully amortizing loan. Also returns today's SBA Express rate cap for the amount.

Parametersraterequiredyearsrequiredamountrequired

get_program_statistics

SBA Express statistics

SBA Express loans by fiscal year, loan sizes, borrower types, industries, rates at approval and charge-offs, from SBA's loan-level file.

Takes no parameters.

list_lenders

Most active SBA Express lenders

Lenders ranked by number of SBA Express loans in the most recent fiscal years. Pass a state to get the most active lenders there.

Parameterslimitstate

get_lender

One lender's SBA Express record

A lender's SBA Express lending record: loan count, sizes, line of credit share, top states. Matches on lender name.

Parametersnamerequired

get_state

SBA Express lending in a state

SBA Express loan count, dollars, median loan, top lenders and top industries for one state.

Parametersstaterequired

Version history

1
  1. v1.2026.1105.0LatestNov 6, 2026

Score

83% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts

    Declare a GitHub repository with a README, or serve resource_documentation in the OAuth protected-resource metadata.

  • LicenseNot applicable

    A hosted service is used under its provider's terms, so no license is expected here. This check is left out of the percentage.