SBA Export Loans Nationwide for U.S. Exporters
π 90% SBA-Backed Export FinancingI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. SBA export loans carry the highest guarantee the SBA offers, up to 90%, because the government wants U.S. businesses selling abroad. Three programs cover the fast line, the working-capital line and the term loan. If you export, or want to, I match you to the right export lender.
The highest guarantee the SBA offers
A standard 7(a) is backed at 75%. Export programs are backed up to 90%, because the government wants American businesses competing and winning abroad. That extra backing behind SBA export loans makes a lender far more comfortable financing the gap between shipping your goods and getting paid by an overseas buyer.
SBA Export Loans Come in Three Distinct Programs
There is no single “export loan.” SBA export loans run as three programs under the 7(a) umbrella, each for a different need, and all carry the SBA’s top guarantee. The trick with SBA export loans is matching the right one to how and what you export. That is exactly what I do.
Export Express
The streamlined, fast-track export option. The lender uses its own delegated authority for a quick decision, as a revolving line or term loan to develop the export side of your business.
Export Working Capital
The EWCP funds the working capital behind your export sales, the gap between fulfilling an order and getting paid by an overseas buyer. Proceeds finance export transactions, with no SBA cap on the rate.
International Trade
A term loan to acquire, build, modernize or expand the U.S. facilities and equipment you use to produce export goods, to penetrate foreign markets, and for export working capital. The long-term option.
Exporter Bridged the Gap Between Shipping and Getting Paid With an EWCP Line
A manufacturer landed a large overseas order but faced the classic exporter’s squeeze: pay to produce and ship now, wait months to get paid by the foreign buyer. A regular bank line wouldn’t stretch to cover it.
The owner called me. I matched the business to an SBA Export Working Capital line: 90%-backed, sized to the export orders, to draw against while producing and repay as overseas payments arrived. The big order became a growth opportunity instead of a cash-flow crisis.
That is the difference between turning down foreign orders and the right export line. Don’t Beg the Bank! Get funded instead.
What SBA Export Loans Actually Pay For
Across the three programs, SBA export loans cover the full export journey, from the working capital behind a single order to the facility that lets you produce more for the world. Here is where each fits.
SBA Export Loans for Order Working Capital
Fund the materials, labor and production behind specific export orders, then repay as your overseas buyers pay you.
Develop Foreign Markets
Fund the push to enter and penetrate new foreign markets, from trade shows to market development.
Facilities and Equipment
Acquire, build, modernize or expand the U.S. facilities and equipment you use to produce goods for export.
Fast Export Lines
Through Export Express, get a fast, streamlined revolving line or term loan to grow the export side quickly.
Compete Against Imports
International Trade loans also help businesses adversely affected by import competition strengthen their position.
Free SBA Export Help
The SBA’s U.S. Export Assistance Centers offer real guidance on these programs, and I’ll point you to yours.
SBA Export Loans Side by Side
SBA export loans share one 90% mission across three different tools. Here is the honest side-by-side, straight from the SBA, so you can see which of the SBA export loans programs fits your business.
| Program | Max Amount | SBA Guarantee | Best For |
|---|---|---|---|
| Export Express | Up to $500,000 | 90% to $350K, 75% above | Fast, smaller export needs |
| Export Working Capital | Up to $5 million | 90% | Financing specific export orders |
| International Trade | Up to $5 million | 90% | Facilities, equipment, foreign markets |
| Need it fast, not export? | Up to $500K | 50% | SBA Express loans |
Swipe to see all columns β
Per the SBA: Export Express has a maximum loan amount of $500,000, with a 90% guarantee for loans of $350,000 or less and 75% for loans more than $350,000, and revolving lines may not exceed seven years. The Export Working Capital Program (EWCP) has a maximum of $5 million, a 90% guarantee, no SBA maximum interest rate, and revolving terms of 36 months or less; proceeds may only finance export transactions. International Trade loans have a maximum of $5 million and a 90% guarantee, as term loans. A 650 FICO is a typical lender floor, not an SBA rule. Final rate, term and structure are set by the lender. This is not a commitment to lend.
Right Export Program, Right Lender.
Export lending is specialized, and not every lender does it well. I match the right program to your export need and the right lender to the program.
Quick Pre-Qual
I learn what you export, or want to, and the need: a fast line, order working capital, or a facility.
I Match Program and Lender
Export Express, EWCP or International Trade, then an experienced export lender that wants your deal.
You Apply Through the Lender
You work directly with the lender, who underwrites and structures the 90%-backed export financing.
Sell to the World
You fund the order or the facility, fulfill overseas demand, and grow your export business.
Who SBA Export Loans Are, and Are NOT, For
Export programs are for businesses selling, or preparing to sell, abroad. I qualify deals honestly so neither of us wastes time. If you’re on the left, call me today.
β This IS for you ifβ¦
- βYou export U.S. goods or services, or are ready to start.
- βYou need working capital to fund and fulfill export orders.
- βYou’re building U.S. capacity to produce for foreign markets.
- βYou want the SBA’s strongest 90% backing behind your deal.
- βYou’re an operating, for-profit U.S. business.
π« This is NOT for you ifβ¦
- βYour business has nothing to do with exporting.
- βYou want general working capital … look at a 7(a) or CAPLine.
- βYou’re buying passive investment real estate.
- βYou can’t document export sales or a credible export plan.
- βYou won’t sign a personal guarantee.
Pre-Qualify for an SBA Export Loan
Sixty-second SBA export loans pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your SBA export loans pre-qualification landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent SBA Export Loans From My Desk
A snapshot of the SBA export loans I match to experienced lenders. Every exporter is different, yours starts with a conversation.
$1.5M Β· EWCP, Manufacturer
Export working-capital line to fund a large overseas order, repaid as foreign payments arrived.
$320K Β· Export Express
Fast 90%-backed line to grow the export side of a specialty goods business.
$2.6M Β· International Trade
Term loan to expand a U.S. facility producing goods for foreign markets.
How I Match SBA Export Loans to the Lenders Who Know Export Finance
SBA export loans are a specialty. Not every SBA lender is comfortable with foreign receivables, export orders and the international risk that comes with selling abroad. I match your SBA export loans to a lender that actually does export finance and wants your deal, and I line up the right one of the three programs. That is the whole point of working with me.
Here is what to understand about SBA export loans. There is no single export loan, there are three export programs under the 7(a) umbrella, and all carry the SBA’s highest guarantee, up to 90%, because the government wants U.S. businesses winning abroad. Export Express is the fast, streamlined option, up to $500,000, where the lender uses delegated authority for a quick decision as a revolving line or term loan; the guarantee is 90% on loans of $350,000 or less and 75% above that. The Export Working Capital Program, the EWCP, goes up to $5 million at a 90% guarantee, with no SBA cap on the interest rate, as a revolving line of 36 months or less whose proceeds finance export transactions. And the International Trade loan, also up to $5 million at 90%, is the term loan for acquiring, building or expanding the U.S. facilities and equipment you use to produce export goods, develop foreign markets, and fund export working capital.
The reason these matter is cash flow. Exporting creates a brutal gap: you pay to produce and ship now, then wait weeks or months for an overseas buyer to pay. A regular bank line often won’t stretch across borders, and a missed opportunity is a lost customer. The 90% SBA guarantee is what gets a lender comfortable bridging that gap, which is why an exporter who couldn’t get a conventional line can land an SBA-backed one. The SBA’s U.S. Export Assistance Centers also offer free guidance, and I’ll point you to yours alongside the financing.
So tell me how you sell abroad. Funding specific orders? The EWCP. Want a fast line? Export Express. Building capacity to produce for the world? International Trade. Need it fast but not for export? Compare an SBA Express loan. Need general working capital? A full SBA 7(a) loan, working capital loans or a business line of credit. Buying equipment to produce exports? See equipment financing. Carrying foreign receivables? Compare invoice factoring. Building a facility? See construction and development loans. Want the full menu? See all my SBA loans or browse every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Straight Answers Before You Apply
What are SBA export loans?
How much can I borrow with an SBA export loan?
Why is the SBA guarantee higher on export loans?
What is the Export Working Capital Program (EWCP)?
Can a new exporter qualify?
What does it cost to work with you?
An Export Loan Advisor Who Knows the Export Lenders
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a banker. SBA export loans are specialized, and the 90% guarantee only helps if your lender does export deals and structures the right one of the three programs. I match your export loan to an experienced export lender and stay with you through it. For the official program details, see the SBA’s types of 7(a) loans page and its U.S. Export Assistance Centers.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’re nervous about a buyer an ocean away. I match you to a lender ready to put SBA export loans and the 90% guarantee to work … up to $5 million, a line or a term loan built for how you export, and a same-day callback from a broker who knows export finance.
Loan amounts, guarantees, rates and terms shown reflect SBA program parameters and typical lender practice, not guarantees. SBA export financing comprises three programs under the SBA 7(a) program. Per the SBA: Export Express has a maximum loan amount of $500,000, with a 90% guarantee for loans of $350,000 or less and 75% for loans greater than $350,000, and revolving lines that may not exceed seven years. The Export Working Capital Program (EWCP) has a maximum of $5 million and a 90% guarantee, with no SBA maximum interest rate and revolving terms of 36 months or less; proceeds may only be used to finance export transactions. International Trade loans have a maximum of $5 million and a 90% guarantee, structured as term loans to acquire, construct, renovate, modernize, improve or expand facilities and equipment used in the United States to produce goods or services involved in international trade, to develop and penetrate foreign markets, and for export working capital. A 650 FICO is a typical lender floor, not an SBA requirement; a personal guarantee is generally required. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the SBA and the lender. This is not a commitment to lend.