The SBA Express Bridge Loan (EBL) can be used


The SBA Express Bridge Loan (EBL) allows you to apply for quick turn around funding from an SBA Express Lender.   Due to the overwhelming response, the SBA is backed up with processing applications.   These loans can provide vital economic support to small businesses affected by COVID-19. 

We recommend applying to get your application in line, as the additional round of funding may go just as fast this time.  An application submitted to Upwise does not guarantee you will receive an Express Bridge Loan.  


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The benefit of working with Upwise is instant access to our SBA platform supported by its automated lending platform, secure file technology, and a state-of-the-art SBA referral system

upwise capital coronavirus relief

What is an SBA Express Bridge Loan (EBL)?

The SBA Express Bridge Loan (EBL) was designed to allow small businesses to access up to $25,000 quickly to bridge the gap while waiting for other relief or long term funding.  These loans can also become a term loan and be paid to maturity.   These loans can provide vital support and relief from loss in revenue from the Coronavirus (COVID-19) pandemic.

Maximum loan amount

Up to $25,000

loan term

Up to 7 Years

interest rate

Prime + Up to 6.5%


None Required



The Express Bridge Loan can bridge the gap while you wait to be approved for an EIDL loan.

SBA Express Bridge Loan (EBL)

Program Overview

Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loans or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on an Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.

Who Can Apply

For Presidential Disaster Declarations, small businesses that were located, as of the date of the applicable disaster, in Primary Counties that were declared disaster areas under the Presidential Disaster Declaration or in any Contiguous Counties; or for the COVID-19 Emergency Declaration, small businesses located in any state, territory and the District of Columbia that have been adversely impacted by the COVID19 emergency.

The small business must have been operational when the declared disaster commenced and must meet all other 7(a) loan eligibility requirements.

How to Apply 

You can apply through Upwise Capital and it’s SBA Approved & Trusted Lenders.  

In order for you to qualify for the SBA Express Bridge Loan, you would just need to verify credit scores (SBSS Score and Personal Credit Score), IRS Tax Returns or Transcript, Existing Banking Relationship/Bank Statements.  

The SBA will begin processing EBL loan applications now!  

Loan Details and Forgiveness

The EBL Loan is structured as a term loan (revolving lines of credit are not permitted).  Terms up to 7 years.  The EBL Loan may have a fixed or variable interest rate up to 6.75% + Prime Interest Rate.  

The Lender may require the EBL borrower to pay the EBL loan in part or in full if the borrower is approved for long-term disaster financing (including an SBA Direct Disaster loan) that allows loan proceeds to be used for EBL loan reimbursement.

The Lender may permit the loan to amortize over a maximum term of 7 years if the borrower does not obtain long-term disaster financing.

If you wish to begin preparing your application, you can click the link below to start the application or reach out to one of our funding advisors at (646) 837-5522 or email [email protected]  

Do not worry, Upwise capital has secured many SBA Express loans for clients in the past and can easily navigate your business through the SBA Disaster Relief Loan process to a successful funded SBA Relief Loan.  

Documents Needed to Apply

  • Debt Schedule

  • 2 years of Personal and Business Tax Returns 2017 to 2018 – if applicable

  • 2019/YTD 2020 Profit & Loss and Balance Sheet – if applicable

  • 6 Month of your most recent business bank statements

  • Aging Account Receivables and Payables report – if applicable

  • Personal Financial Statement – ALL owners 

  • Driver’s License(s) of all owners (Front & Back

Other Relief Loans Available from Upwise

Paycheck Protection Program (PPP)

The PPP is a loan designed to provide direct incentive for small businesses to keep their workers on payroll.

EIDL Emergency Advance

The EIDL Emergency Advance allows quick funds for small businesses whose revenue decreased from COVID-19.

Economic Injury Disaster Loan (EIDL)

The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million. 

SBA 7(a)
Relief Loan

The SBA 7(a) Loan can help businesses respond to opportunities and challenges associated with COVID-19.

be Prepared

Documents Required for an SBA RELIEF

The best strategy to follow before you apply for the SBA Disaster Relief Loans is to be prepared. The more readily available your documentation is, the faster you’ll move through the process.

The following is a checklist of the most commonly collected documents. It can be very helpful to work with your accountant or tax preparer to gather some of the financial documentation.


We require a completed and signed:
SBA Express EBL Loan Application


We require a completed and signed Personal Financial Statement (SBA Form 413).

Driver's License & Voided Check

To ensure all of your information is correct on the contracts, we require a clear copy of you DL & VC to verify this information.


Upwise requires complete copies of the last 2 years most recent Federal Income Tax Return

Profit and Loss Statement

Also known as an “Income Statement,” a Profit and Loss Statement measures a company's financial performance over a specific period of time. This statement includes all revenue and expenses over a given period. 2019 & 2020 YTD Needed.

Balance Sheet

This statement provides an overall financial snapshot of your small business. As an equation, it looks like: Assets = Liabilities + Equity. The two sides of the equation must balance out to equal each other.

Now Available:  SBA Relief Loans

Paycheck Protection Program (PPP), SBA Express Bridge Loans,
Economic Injury Disaster Loans (EIDL), SBA 7(a) Loans, SBA Debt Relief

What does this Aid Bill mean for Small Business?

For many small business owners this relief could not come fast enough.  The SBA has never been tasked with disaster relief of this scope, so EIDL Loan guarantees will be distributed through the 7(a) loan program.  

At Upwise Capital, we have many years of experience working with trusted + approved SBA Lenders in which our funding advisors are trained to walk you through every step of the way.  We handle all the paperwork and filing on your behalf, so you can get back to the more important things, like running your business. 

We advise business owners to take advantage of ALL of the SBA Relief Programs available:  

The PPP will cover your Payroll & Overhead Expenses – and if used correctly – will be forgiven – meaning you do not have to pay it back.  This is a no brainer – Thanks U.S. Government!

The EBL can get you up to $25K to act as a bridge loan while applying and waiting for the EIDL to go through, which could take some time, considering how flooded the SBA is right now, so get your application in now – for this one. 

EIDL can get you up to $2M at the cheapest interest rate but will be the hardest to get approved for.

The SBA 7(a) is always the gold standard of business loans and is offering a Disaster Relief Program! 

Business owners should know that they can get a traditional SBA 7(a) Loan for business growth and expansion alongside an EIDL Loan, which may have interest forgiveness in the future. 

It also appears that small businesses will be able to defer their payroll taxes until 2021 or 2022.  A separate program will provide $17 billion to pay the principal, interest, and fees on outstanding SBA loans temporarily.  There are roughly $100 Billion of these SBA Loans Outstanding. If you have an SBA Loan call your SBA lender or Upwise advisor today @ (646) 849-2228.

Types of SBA Loans

Overview: The PPP is a loan designed to provide direct incentive for small businesses to keep their workers on payroll.
Forvigveness: SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities.
Guarantee: No collateral or personal guarantees are required.
Terms: This loan has a maturity of 2 years and an interest rate of 1%.
Who Can Apply:  Any small business with less than 500 employees per location. 
When: Enrollment starts April 3, 2020 – get your Application in now! 

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