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What is the Patriot Express Program?
The Patriot Express Loan Initiative is a program established by the Small Business Administration (commonly called the "SBA"). Patriot Express business loans are for veterans and their family members who want to establish or expand small businesses.

Eligible military community members include:

  • Veterans
  • Service-disabled veterans
  • Active-duty service members eligible for the military’s Transition Assistance Program
  • Reservists and National Guard members
  • Current spouses of any of the above
  • The widowed spouse of a service member or veteran who died during service or of a service-connected disability

The Patriot Express Program is designed for small businesses that are 51 percent or more owned/controlled by veterans or members of the military community.

About the Patriot Express Program
Maximum Loan Amount: $500,000
Maximum SBA Guaranty %: Follows SBA standard 7(a) guarantee percentages
Interest Rate: Rate may be fixed or variable; lenders and borrowers can negotiate interest rate, but lenders may not charge more than 2.25 % over prime rate for loans of less than seven years and 2.75 % over prime for loans greater than seven years; lenders may charge 1 % more for loans of $50,000 or less and 2 % more for loans of $25,000 or less.
Eligibility Decision: Must meet standard SBA 7(a) loan eligibility and must be 51 % or more owned/controlled by:
  • Veteran (other than dishonorably discharged)
  • Active Duty Military: potential retiree within 24 months of separation and discharging Active Duty member within 12 months of discharge (TAP eligible)
  • Reservist and National Guard
  • Current spouse of above or spouse of service member or veteran who died of a service-connected disability.
Revolving Lines of Credit: Up to seven years with maturity extensions permitted at the outset.
SBA Turnaround Time: Within 36 hours
Forms: Streamlined: Lender primarily uses own forms and procedures.
Collateral: Lenders are not required to take collateral for loans up to $25,000; may use their existing collateral policy for loans over $25,000 up to $350,000, but must take available collateral for loans greater than $350,000.
Credit Decision By lender.
Purchase May request expedited SBA purchase on small loans or in situations where liquidation may be delayed.

CreditandLending.com provides you access to a vast network a SBA lenders, traditional banks and credit unions, as well as many non-traditional lending sources. With one application you can quickly access many lenders and significantly accelerate the loan application process. When you speak with our underwriters, you're speaking to someone who has the ability to make a decision and to FUND YOUR LOAN. Our approach is direct and no-nonsense.

Patriot Express Quick Facts

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How Can I Use the Funds?
  • Start up costs
  • Equipment purchases
  • Business-occupied real-estate purchases
  • Inventory
  • Infusing working capital
  • Managing your business
  • Expansion
  • Preparing your business for the possibility of your deployment
  • Setting up to sell goods and services to the government
  • Recovery from declared disasters.