SBA Express Bridge Loan FAQ

Find the most frequently asked questions for the Small Business Administration (SBA) Express Bridge loan below. If you can’t find an answer to your question, please notify us through the form on this page.


As a new business, do we qualify for this Express Bridge Loan?

Yes, as long as the business was operational as of March 13, 2020 when the President declared the disaster.

See page 4 Express Bridge Loan Pilot Program PROGRAM GUIDE

Why should we apply for the Express Bridge Loan over the other SBA options?

This is an option for a struggling small business to access $25,000 quickly while they wait for decision and disbursement on an Economic Injury Disaster Loan.

See SBA Express Bridge Loans

How long can I apply for an Express Bridge Loan under this COVID-19 Emergency?

Express Bridge Loan Applications under the COVID-19 emergency can be approved through March 13, 2021.

See Page 3 Express Bridge Loan Pilot Program PROGRAM GUIDE

Can a business receive both the Express Bridge Loan and a Paycheck Protection Program loan?


The Express Bridge Loan is an arm of the SBA Emergency Impact Disaster Loan (EIDL) and businesses can apply for both programs under COVID-19 as long as they are used for different purposes. The Paycheck Protection Program (PPP) loan is to be used for Payroll, Utilities, Interest on Mortgages, Rent, & Group Health Insurance. The Express Bridge Loan can be used for other working capital and is normally applied for with the EIDL. Another option relating to this is the Express Bridge and the EIDL loans can be refinanced into the PPP if needed.


Where can I apply for an SBA Express Bridge loan?

Reach out to your current Business Banker (An existing Banking Relationship is a requirement for this express funding) to find out if their institution is an SBA Express Lender.

See Page 9 Express Bridge Loan Pilot Program PROGRAM GUIDE