SBA SOP 50 10 8.1, B.Ch5.A.2 — Other Restrictions that apply to Export Express Loans
Verbatim text of SBA SOP 50 10 8.1 (with Technical Policy Updates) section B.Ch5.A.2 (Other Restrictions that apply to Export Express Loans). Effective 2026-10-01 for applications received by SBA on or after that date; SOP 50 10 8 governs applications submitted through 2026-09-30. 5 provision(s) quoted from SBA's .docx.
SBA lending corpus: SOP 50 10 and the active notices, with the expiry watcher.
Verbatim regulatory text
Verbatim provisions from SBA SOP 50 10 8.1, B.Ch5.A.2 — Other Restrictions that apply to Export Express Loans — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
SOP 50 10 8.1 B.Ch5.A.2
2. Other Restrictions that apply to Export Express Loans For purposes of clarification, small businesses in the following NAICS Industry Subsector Codes cannot be financed using an Export Express Loan, but may be financed using other SBA 7(a) financial assistance: a. NAICS Industry Subsector Code 721 (Accommodation) b. NAICS Industry Subsector Code 457 (Gasoline Stations).
SOP 50 10 8.1 B.Ch5.A.3.a
3. Loan Terms and Conditions for Export Express a. Maximum Loan Amount i. The maximum loan amount is $500,000 (gross). ii. Maximum Loans to Businesses with Affiliates 13 CFR § 120.151 Lenders must determine whether the Applicant has any affiliates and document the results in their credit analysis. If affiliation exists, SBA’s loan maximums apply to the Applicant, including all affiliates, as if all were a single business.
SOP 50 10 8.1 B.Ch5.A.3.b
b. Maximum Guaranty Amounts and Percentages The maximum dollar amount outstanding of SBA’s guaranty to any one business (including affiliates) must not exceed $3,750,000. SBA considers an EPC and an OC to be “one business” for this purpose. When calculating the maximum guaranty percentage available to a Borrower and its affiliates, the Lender must include the approved loan amount for a revolving line of credit. The SBA’s guaranty is also known as the “SBA share” or “guaranteed portion.” i. Multiple Export Express loans are allowed up to the program maximum loan amount ($500,000 gross for Export Express). The guaranteed amount of all Export Express loans counts toward the $3,750,000 maximum SBA exposure that may be outstanding for all SBA loans to a Borrower and its affiliates at any one time. ii. If multiple Export Express loans are approved within 90 days of each other, and the combined gross loan amount of all the Export Express loans approved in that time frame to any one Borrower (including affiliates) exceeds $350,000, then the maximum guaranty percentage on the second loan must be reduced accordingly so the combined guaranty is no more than 75% (subject to the $3,750,000 guaranty amount limit). iii. The maximum guaranty percentage is: a) 90% for loans of $350,000 or less; and b) 75% for loans over $350,000 up to $500,000. iv. Combination of 7(a) and 504 loans a) When an Applicant applies for any combination of 7(a) and 504 loans, the order in which the loans are approved determines the maximum loan and guaranty amount available. Because the 7(a) loan has a lower maximum guaranteed amount, the 7(a) loan should be processed and approved first. b) Lenders must advise the SBA processing centers that there is a companion 504 application to ensure the 7(a) loan is processed and approved prior to the 504 loan application being processed and approved. v. Zero Percent Guaranty Cannot be Provided for Ineligible Purposes: A 7(a) loan cannot include proceeds for an ineligible purpose or have any portion of the loan made to an ineligible business and no part of an SBA 7(a) loan may be guaranteed at zero percent.
SOP 50 10 8.1 B.Ch5.A.3.c
c. Loan Maturities: See Appendix 17: Loan Maturity Requirements Para. B.6.
SOP 50 10 8.1 B.Ch5.A.3.d
d. Interest Rates: See Appendix 18: 7(a) Interest Rate Requirements Para. B.6. SBA QUICK REFERENCE CHART: Maximum Interest Rates Allowed Product Export Express Loans | Interest Rate The maximum allowable fixed rate is available on SBA’s Wiki page. Maximum variable rates are: Loans $50,000 or less | Cannot exceed Prime or SBA Optional Peg Rate + 6.5% Loans $50,001 up to and including $250,000 | Cannot exceed Prime or SBA Optional Peg Rate + 6.0% Loans $250,001 up to and including $350,000 | Cannot exceed Prime or SBA Optional Peg Rate + 4.5% Loans $350,001 and greater | Cannot exceed Prime or SBA Optional Peg Rate + 3.0%
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Source of record: https://claudeforcompliance.com/regs/sba-sop81-b-ch5-a-2/
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