SBA Express and Microloan leads
Borrowers who need a smaller loan and a simpler path than a full SBA 7(a) or 504 deal.
SBA Express and SBA Microloan leads sit at the small end of government-backed lending. Express is a faster, smaller delivery path within the 7(a) program, while Microloans are made by nonprofit intermediary lenders to owners who need modest amounts, often early in their business life. Because the borrower and the lender differ from the larger SBA programs, these leads need their own campaigns, forms and follow-up.
- Loan size and use of funds captured
- Time in business and credit range flagged
- Exclusive to one lender or intermediary
Watch it in 45 seconds
A 45-second explainer from the Amplify Leads team: SBA Express and Microloan leads for smaller requests.
What SBA Express and Microloan leads look like when they reach you
The size
A smaller request, often for working capital, equipment, inventory or a modest expansion, rather than a large purchase.
The business
How long it has operated, whether it has revenue and whether the owner is a startup or a very small established shop.
The path
Whether the owner wants a quick Express decision from a bank or support through a nonprofit microlender.
Limits, terms and eligibility for SBA programs change, so check the current figures with the SBA or your lender. Microloan intermediaries set their own requirements, including training in some cases.
You can get these through a managed campaign under your name or pay per lead. Related: SBA leads, startup business loan leads, and business credit leads. See every commercial lending lead type.
How this page relates to our main SBA page
Our SBA loan leads page covers the core 7(a) and 504 programs: larger acquisitions, real estate and heavy equipment, with lenders who underwrite substantial files. This page covers the small end. SBA Express is a faster, smaller 7(a) delivery path, and Microloans come through nonprofit intermediaries who also offer coaching. The borrower is smaller, the lender is often different, and the first call sounds different too. If you write both, run both campaigns so every inquiry reaches the right person.
Who needs a smaller SBA-backed loan?
Solo operators, home-based businesses, new restaurants, child care providers, mobile services and shops that need inventory or a vehicle, not a million dollars. Many have been told no by a bank because their request was too small or their history too short. Some prefer a microlender who offers mentoring. Others want an Express lender with a fast turnaround and a familiar bank relationship. In both cases the loan is smaller, the borrower is often newer and a patient lender gets the best outcome.
Questions we ask these borrowers
The form is short and mobile-friendly, and it asks what you need to decide which path fits.
- How much funding do you need?
- What will the money be used for?
- How long has your business been operating?
- What is your approximate personal credit range?
- Do you have monthly revenue today?
- Would you want a quick decision from a lender or support from a nonprofit program?
Ads and landing flow for small SBA loans
The ads speak to owners who think they are too small for an SBA loan. The angle is that government-backed funding includes smaller loans for modest needs. Facebook reaches owners and aspiring owners using small business and entrepreneurship interests, while Google Search captures people looking up microloans and quick SBA options. The landing page promises a funding conversation, never a decision or guaranteed approval. Many of these owners are juggling a full day of work, so reply fast: we reply the same business day, and your follow-up should be patient and clear.
Compliance and program rules to know
TCPA consent is required before you call or text, and our forms record it. SBA Express and Microloans each carry program rules on eligibility, use of proceeds and lender requirements, and those rules change, so confirm the current terms with the SBA and your lender. Microloan intermediaries operate under their own agreements with the SBA. Business loans are outside Regulation Z, yet any rate or payment in your ads must be accurate. Some states license commercial lenders and brokers. Confirm what applies with your compliance contact.
Before you reach out
Why is this a separate page from SBA 7(a) and 504?
The buyer and borrower differ. Microloans run through nonprofit intermediaries, and Express is a quicker 7(a) route for smaller requests. The main SBA page covers larger loans, real estate and equipment under 7(a) and 504.
Who buys these leads?
SBA Express lenders, banks and brokers working small deals, and nonprofit microlenders or community development financial institutions that serve small and early-stage owners.
Do you quote loan caps?
No, because they change. We describe both programs as smaller loans and send you borrowers whose requests fit that range once you confirm the current limits.
Find out what a campaign could look like where you lend
Half an hour with our team, at no charge. Come with your state, the programs you write and what has not worked so far. You leave with a sketch of what we would build, or an honest no.