SBA Express Loan by Celtic Bank

SBA Express Loan by Celtic Bank

Celtic Bank is a nationwide small business lender specializing in SBA loans. The Celtic Bank Express Loan was specifically designed with small business owners in mind. Our streamlined loan program offers working capital loans with lower interest rates and extended repayment terms. Celtic Bank is the 6th largest SBA lender in the nation for FY 2015.


10% Complete
Low High
Effort to Apply
70% Complete
Easy Difficult
Funding Speed
60% Complete
Months Minutes
Repayment Terms
100% Complete
Months Years

Bottom Line

If you have strong collateral (real estate) and can wait for a couple of months, this would be a great lower cost option for you.


Low interest rate. Long repayment duration.


Collateral required in most cases. It takes about a month to get funded.

Qualification requirements

Time in Business

At least 1 year in business


Required in most cases.


U.S. Citizen or permanent resident


Two years of tax returns


Strong personal credit. 165 Small Business Scoring Service (SBSS).

Prime + (2.75%-4.75%) plus closing costs
Repayment Terms
10 years
Funding Amount
$20,000 - $5 million
Funding Speed
Around 30 days
Not digital

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