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Express Loans

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Express Loans are designed for new and returning borrowers with credit needs of $20,000 or less. Express Loans are underwritten on credit score and two personal bank statements allowing for fast decisions. Click here for a fact sheet on Express Loans. 

Express Loan Terms 

Amount: Up to $20,000, Based on credit score   

Term: 36 to 48 months

Rate: 5.25% - 10.75% 

Timeline: Prequalify in 24 hours, Decision within 3 business days after applications and documents are complete

Start an application at:

Express Loan Required Document List

  1. Completed application: complete online here 
  2. Government-issued ID for each borrower to be used in proving their legal name and home address. If home address listed is different from current home address, a recent utility bill may be used to validate address.
  3. Proof of business legal name and address: a utility bill, signed lease agreement, government-issued incorporation/organization document, or other document providing proof of business legal name and address.
  4. Two personal bank statements: most recent months available from borrower’s primary checking account.
  5. Funding Source Eligibility Statement: (provide at prequalification stage)


Does your business need more than $20,000? We also offer small business loans up to $250,000.

The Center for Rural Affairs is a nonprofit, mission-driven lender focusing on underserved communities, primarily to rural, Latino, Native, and other communities that mainstream finance doesn’t traditionally reach. We are a Community Development Financial Institute, certified by the U.S. Treasury. What is a CDFI?