The SBA Express Loan | No Collateral Small Business Loan | Up to 150K | Low Interest

First Financial - sba express loan lenders - formally the sba patriot express loan

SBA Express Loan

Up to 150K in 30 days

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    Unsecured / No Collateral

    No personal assets are used for collateral, unsecured business loans use only business assets as collateral

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    Startup Financing

    Use it to purchase a SBA approved franchise or start a small business

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    Working Capital

    Market your business, hire more employees, it’s cash in your bank

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    10 Year Term

    Low monthly payments help you grow your business

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    Simple low interest rate

    Prime +2.75% , simple interest

Client Testimonial


Good evening. I wanted to thank you so much for guiding me through the SBA Loan process. Your help, advice, and encouragement helped draw the process to a very successful conclusion.

I now am a new and growing Master Franchisee with the System4 brand. Providing Facility Services Management to my clients throughout the East Tennessee Valley.

It certainly is a daunting task setting up ones own business and securing the lending required to be successful. Your knowledge of the SBA process and financial instruments available made all the difference in my own confidence level. Thank you again for all your help and the hard work of your entire office team.

System4 of East Tennessee

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Our Clients Love Working with First Financial

First Financial has been an industry leader in franchise financing for over 25 years. Your approval is our #1 priority. Know who you’re working with; read what are clients have to say about us on Google Reviews.

SBA Express Loan Requirements and Specifics

Learn Why The SBA Express Loan is The Best Small Business Financing Option Available

Loan advantages over other Financing options

  • Retirement funds and other personal liquid assets are not at risk and available for future use
  • No need to roll over a large portion of your 401K
  • The equity in your home will remain intact with no Bank Lien
  • No need for multiple Business credit cards with compounding interest

Loan Specifics

  • 10 Year term
  • Interest Rate is WSJ Prime + 2.75%
  • Loan may adjust Quarterly if WSJ Prime increases
  • Fully Amortized loan paying Principal/Interest monthly
  • No prepayment penalty
  • Loan funds deposited into your business checking account
  • Funding in 30 to 45 days
  • Up to $150,000

Applicant Criteria

  • Credit Score of 685+
  • Cash injection of 10% of the loan amount and no less than 15% in reserves
  • Revolving credit usage under 37%
  • No Tax Liens or Judgements that have not been released/satisfied
  • Bankruptcies must be over 36 months from released date

SBA Express Loan FAQ

Yes, the SBA Patriot Express Loan was previously only available to veterans. The SBA Express Loan program is essentially the same loan but open to all US Citizens and residents.
Yes, under the M5 Loan program net worth and comparable credit requirements have been lowered.  Veterans also receive a boost in the scoring approval system.
Before we send you an application, it’s important that you speak with an advisor and get pre-qualified. Please contact us using the form on this page or email info@ffcash.net and we will schedule a time to speak.
Please call or email us anyhow. We are happy to explain the requirements and have creative way to get you qualified. There may be a simple work around. We are happy to advise how you can position yourself to qualify now or in the near future.