SBA Express program rules, live maximum rates, FY2027 guaranty fees, payments, and lender and state.
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SBA upfront guaranty fee for an SBA Express or standard 7(a) loan under the FY2027 schedule, with exceptions.
Gross loan amount in dollars
Default express
Default none
Loan maturity in months. Default 120
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
Run in a terminal
claude mcp add --transport http sbaexpress-loans https://www.sbaexpress.loans/api/sba-express/mcp
SBA upfront guaranty fee for an SBA Express or standard 7(a) loan under the FY2027 schedule, with exceptions.
| Argument | Type | Description |
|---|---|---|
| amount* | number | Gross loan amount in dollars |
| program | string | Default express |
| exception | string | Default none |
| maturity_months | number | Loan maturity in months. Default 120 |
{
"type": "object",
"required": [
"amount"
],
"properties": {
"amount": {
"type": "number",
"description": "Gross loan amount in dollars"
},
"program": {
"enum": [
"express",
"standard"
],
"type": "string",
"description": "Default express"
},
"exception": {
"enum": [
"none",
"veteran",
"manufacturer",
"food_supply_chain",
"rural"
],
"type": "string",
"description": "Default none"
},
"maturity_months": {
"type": "number",
"description": "Loan maturity in months. Default 120"
}
}
}Level monthly payment and total interest for a fully amortizing loan. Also returns today's SBA Express rate cap for the amount.
| Argument | Type | Description |
|---|---|---|
| rate* | number | Annual interest rate in percent, e.g. 10.5 |
| years* | number | Term in years, e.g. 10 |
| amount* | number | Loan amount in dollars |
{
"type": "object",
"required": [
"amount",
"rate",
"years"
],
"properties": {
"rate": {
"type": "number",
"description": "Annual interest rate in percent, e.g. 10.5"
},
"years": {
"type": "number",
"description": "Term in years, e.g. 10"
},
"amount": {
"type": "number",
"description": "Loan amount in dollars"
}
}
}Link where a small business owner can request SBA Express financing options; the request is routed to lending partners. Free, no obligation.
No arguments.
{
"type": "object",
"required": [],
"properties": {}
}A lender's SBA Express lending record: loan count, sizes, line of credit share, top states. Matches on lender name.
| Argument | Type | Description |
|---|---|---|
| name* | string | Lender name, e.g. 'TD Bank' |
{
"type": "object",
"required": [
"name"
],
"properties": {
"name": {
"type": "string",
"description": "Lender name, e.g. 'TD Bank'"
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| amount | number | Gross loan amount in dollars (optional) |
{
"type": "object",
"required": [],
"properties": {
"amount": {
"type": "number",
"description": "Gross loan amount in dollars (optional)"
}
}
}SBA Express loans by fiscal year, loan sizes, borrower types, industries, rates at approval and charge-offs, from SBA's loan-level file.
No arguments.
{
"type": "object",
"required": [],
"properties": {}
}SBA Express program rules: maximum loan, SBA guaranty, rate caps by loan size, line of credit rules, FY2027 guaranty fees and exceptions, with sources.
No arguments.
{
"type": "object",
"required": [],
"properties": {}
}SBA Express loan count, dollars, median loan, top lenders and top industries for one state.
| Argument | Type | Description |
|---|---|---|
| state* | string | Two-letter code or state name |
{
"type": "object",
"required": [
"state"
],
"properties": {
"state": {
"type": "string",
"description": "Two-letter code or state name"
}
}
}Lenders ranked by number of SBA Express loans in the most recent fiscal years. Pass a state to get the most active lenders there.
| Argument | Type | Description |
|---|---|---|
| limit | number | Default 10, max 100 |
| state | string | Two-letter code or state name (optional) |
{
"type": "object",
"required": [],
"properties": {
"limit": {
"type": "number",
"description": "Default 10, max 100"
},
"state": {
"type": "string",
"description": "Two-letter code or state name (optional)"
}
}
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 5, 2026.