Fast, Flexible SBA Loans for Small Business Owners
Apply for SBA Express or Microloans without the hassle.
Takes 2 minutes. No cost or obligation.
Why Choose Us
We make SBA loans simple—even if you’ve been turned down before.
Getting funding shouldn’t feel impossible. At Flexway, we help small business owners cut through the red tape and get approved for SBA Express and Microloans—fast.
Here’s why entrepreneurs choose us:
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Speed that matters: Express approvals in as little as 2–3 days
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Flexible programs: Low rates, longer terms, and low down payments
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Expert help included: We guide you through every step
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No upfront fees: No surprises, no hidden costs
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Personalized support: Real people, not bots or generic portals
Our mission is simple:
Get you the capital you need to grow—without the stress.
Takes 2 minutes. No cost or obligation.
Who We Help
Our SBA Express and Microloan programs are built for real people running real businesses—just like yours.
Whether you’re just getting started or looking to grow, we work with:
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Small business owners in all industries
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Women-, minority-, and veteran-owned businesses
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Independent contractors, tradespeople, and service providers
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🛒 Retailers, food vendors, and e-commerce sellers
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Beauty salons, barbershops, wellness studios, and more
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Entrepreneurs who’ve been turned down by traditional banks
Takes 2 minutes. No cost or obligation.
No complicated applications.
No need for perfect credit. Just a clear path to the funding you need.
Loan Programs at a Glance
SBA Express Loan
Best for: Etablished businesses (5 years)
Loan Amount: Up to $150,000 or 30% of annual gross sales
Time to Fund: 2-4 weeks, decision in 2–3 days
Repayment Terms: Up to 10 years
Use Cases: Working capital, equipment, marketing, debt refi
Credit: 600+ recommended (no bankruptcy)
Collateral: Not required
SBA Microloan
Best for: Startups and very small businesses and micro-franchises
Loan Amount: Up to $50,000
Time to Fund: Typically 1–3 weeks
Repayment Terms: Up to 6 years
Use Cases: Inventory, startup costs, remodeling, micro-franchise setup
Credit: More flexible; varies by lender
Collateral: Not required
How You Can Use the Funds
Fuel your growth with flexible funding—no red tape.
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Working capital to manage cash flow
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Equipment, tools, inventory, or supplies
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Marketing
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Remodeling or upgrading your place of business or a property
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Hiring, payroll, or training
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Startup costs or micro-franchise setup
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Replacing high-interest short-term debt (in some cases)
Not sure which one fits? Apply once and we’ll guide you to the best match.
Takes 2 minutes. No cost or obligation.
If it helps your business grow or stay afloat, chances are—it qualifies.
How It Works
We’ve simplified the SBA loan process so you can get funding without the guesswork.
1
Start Your Application
Fill out our quick form—it takes just 2 minutes and won’t impact your credit.
2
We Review & Match You
Our team reviews your info and matches you with the best SBA lender and loan type.
3
Paperwork? We’ve Got You
We guide you through the required documents and help you avoid common mistakes.
4
Receive Funding
Once approved, funds are disbursed—often in just days. You’re ready to grow your business.
You’re never alone in the process—we’re with you from start to funding.
Takes 2 minutes. No cost or obligation.
Are You Eligible? Here’s What You’ll Need to Know
Ineligible Industries
Due to SBA partner restrictions, we unfortunately cannot fund businesses in the following categories:
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Transportation
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Advertising or marketing agencies
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Restaurants
Loan Requirements
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Use of funds: Must be for working capital or debt refinance (not credit cards, SBA debt, merchant cash advances, vehicle loans, etc.)
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Time in business: 2+ years required for most Express loan programs
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Credit score: Weighted average FICO over 680 for all owners with 20%+ ownership
Documents You’ll Need
To move forward quickly, please have the following ready:
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Most recent 2 years of business tax returns
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Most recent personal tax return (for each owner with 20%+ ownership)
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Government-issued ID for each 20%+ owner
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Last 3 months of business bank statements
Don’t worry:
We’ll walk you through everything and help you get organized.
Takes 2 minutes. No cost or obligation.
Frequently Asked Questions (FAQ)
Do I need perfect credit to qualify?
No. SBA loans are more flexible than traditional loans. We work with clients starting around 600+ credit scores.
Can I apply if my business is new?
Yes! The SBA Microloan is designed specifically for startups and newer small businesses.
How fast can I get the funds?
SBA Express loans can be approved in as little as 2–3 days. Funding typically follows within a week. Microloans may take 1–3 weeks.
Can I use the funds for a remodel or marketing?
Yes. These loans cover most business expenses, including renovations, marketing, equipment, and working capital.
Is there any cost to apply?
No. There are no upfront fees to apply or get pre-qualified through Flexway.
What documents do I need to apply?
You’ll need business tax returns (2 years), a personal tax return for each 20%+ owner, valid ID, and 3 months of business bank statements. A full checklist is available here.
Are there any industries that aren’t eligible?
Yes — due to SBA guidelines, we can’t fund transportation companies, marketing/advertising agencies, or restaurants at this time.
Can I use this loan to pay off other debt?
Yes, but only some types — SBA loans can be used to refinance certain debts, but not SBA loans, credit cards, or merchant cash advances.
Ready to Grow Your Business?
Funding shouldn’t be complicated. We’ll help you get the capital you need—fast, simple, and stress-free.
Takes 2 minutes. No cost or obligation.
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