SBA Express "Working Capital" Loan
Small Business Loans, Build Big Dreams


SBA Express - Small Business Loans Build BIG Dreams

Thinking of starting a homebased service or office location franchise (not retail)?  This is a special and unique loan opportunity worth pursuing for up to $150K. 

  • Loans up to $150K for Home or Office Based Franchise Businesses that are listed on the SBA Franchise Directory.
  • Low Cash injection – 10% of complete project
  • Cash Reserve – Minimum $50K - Do not have to use it or spend it.  Have it on hand in a bank account or retirement account. 
  • Unlike Standard 7a business loans, no lien or personal collateral required.
  • Quick pre-approval (typically same day or next day bank approval)
  • Loan closing; goal  to close within 45-60 days
  • Relatively low interest rates (Prime Rate (WSJ) plus 2.75%
  • 10 year loan – no prepayment penalty
  • Excellent way to build business credit 
  • 685+ credit scores required
  • Limited bank inquiries
  • No bankruptcies within last 4 years
  • No more than 50% of the loan can be used for working capital
  • No judgements or liens
  • Business entity and EIN# required for application
  • Non-executed lease required for office space/warehouse rental before loan proceeds to underwriting
  • Broker fee due upon pre-approval
  • SBA bank fees paid from proceeds of loan

Why do people call Phoenix Funding Source and inquire about SBA Express Loans? Why don’t they go to their local banks? “Because their local bank will want 20% cash injection (down payment) along with collateralization, i.e. their home.”  Let Phoenix Funding Source help you realize your dream today!

Loan AmountCash Injection*Cash Reserve
$150,000.00$16,666.67$50,000.00
$125,000.00$13,888.88$50,000.00
$100,000.00$11,111.11$50,000.00





*You do not have to spend your cash reserve – provide proof you have it for post liquidity.  Can be cash in the bank or even retirement assets.
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