Finance Your Small Business With an SBX Loan or Line of Credit

If you’re ready to take your small business to new heights, then you’ve come to the right place. At Ridge View Bank, we take pride in our mission to make acquiring a Small Business Xpress loan a simple and straightforward process. Empowering entrepreneurs with knowledge about SBX loans is the cornerstone of our strategy for financing your business’s needs. With our lending experts, this financing is at your fingertips.

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Use your funding to do things like:

Purchase a Vehicle

Purchase a Vehicle

Purchase Equipment

Purchase Equipment​

Get Working Capital

Get Working Capital

Refinance Existing Business Debt

Refinance Existing
Business Debt

What You Need to Know About Small Business Xpress Financing

Businesses can apply for a Small Business Xpress (“SBX”) term loan or line of credit online for as little as $5,000 and up to $100,000. It only takes about 15 minutes to complete the application. You will get an answer to your request just a few minutes after a completed application is submitted and all supporting documents have been submitted. We break down the entire process in detail, to help get prospective borrowers up to speed and ready to receive the funding shortly after. We want our clients to apply for their SBX Loan or LOC with the highest confidence, backed by the knowledge of our lending specialists.

We recommend that you have the following documents ready in electronic format before you start the application as you will be asked to upload them as part of the application:

  • Two years of the most recent Business tax returns
  • Two years of the most recent Personal tax returns for each owner/guarantor for all owners who own 20% or more of the company
  • Business Entity Documentation
  • Personal Identification Documents

Frequently Asked Questions About SBX

We offer term loans for up to 5 years and a line of credit that requires an annual review.

We offer a simplified application process. You can easily apply online in about 15 minutes.

You can apply for a term loan or line of credit from $5,000 up to $100,000.
The loan funds can be used for any legal business purpose such as:
  1. Purchase a vehicle.
  2. Purchase business equipment
  3. In certain circumstances, refinance existing business debt.
  4. Working capital.
Your company must be in business for no less than 2 years to be eligible.
You will need to provide the following documents:
  • Two years of the most recent Business tax returns.
  • Two years of the most recent Personal tax returns for each owner/guarantor for all owners who own 20% or more of the company.
  • Business Entity Documentation
    • Corporation: Articles of Incorporation and Bylaws
    • Limited Liability Company: Articles of Organization and Operating Agreement
    • Partnership: Partnership Agreement
    • Doing Business As (DBA): DBA Certificate
  • Personal Identification Documents
    • Driver’s License
    • Passport
You can upload the required documents through our loan portal.
Yes, we will require the unlimited personal guarantee of 20% or more owners of the business.
No, the loan will be secured by a general lien on the company’s assets. Please review the collateral agreement in the online application for more information.
No, we will file a UCC on all assets of the business.
The loan is considered a commercial loan and is not reported on your personal credit report.
Your business’s eligibility and loan offer will be based on our overall assessment of your business’ financial condition. We will evaluate the credit history of the business owner(s) and the business to determine whether to approve the request, the loan amount, and the pricing.
Yes, but you can only request one loan at a time up to a maximum of a $100,000 in the aggregate.
No, loan documents will be delivered to you electronically through DocuSign.
The estimated payment amount is based on the line of credit being fully advanced with a payment of 2% of the loan balance plus accrued interest at the initial interest rate.

An underwriter from our Small Business Loan Center will review your application and tax returns and you will be advised of the outcome of that review.  We may contact you for additional information through email.

Yes. You are welcome to apply for a loan product in the future if your financial situation changes.
Yes, the name entered must match the legal name of the company.
Your loan funds will be deposited into your business checking account with us within 24 – 48 hours of receipt of all properly executed loan documents. When you take advances on your line of credit those proceeds will be deposited into your business checking account.
The other owners/guarantors will be sent a link to the application that has been started so that they can provided the necessary documents. The link will be sent to the email address you provided for each owner/guarantor. The email should arrive within 24 hrs.
Your loan payments will be due approximately 30 days after the funds have been disbursed.
Yes, you can indicate which business checking account is to be used if you have more than one existing business account. If you are opening a new account, we will deposit the funds into the new account once it is established.
We are required by Federal regulations to identify all owners of the business.
We will utilize your cell phone number to contact you should the need arise as well as to send you messages via text should there be a problem, or we have questions.
You can request an advance on your line of credit through your business eBanking account.
We require a physical address. You may also add a separate mailing address.
Due to the credit characteristics of your business and/or guarantor(s), we were unable to auto decision the loan request and present financing options. Your loan request will be reviewed to determine if we can provide a financing option.
Your payment date is approximately 30 days from closing.
An origination fee will be charged equal to 1% of the commitment amount, not to exceed $250.00. The fee will be deducted from the proceeds of the loan or advanced as a draw on your line of credit. An annual review fee of $100 will be charged on your line of credit.
The fees can be paid out of pocket from a divisional business checking account, paid out of the loan proceeds or the line of credit. Please advise the SBX team when processing the loan at
Your monthly payment will be determined by the type of the loan approved. Term loan payments will be based on the annual percentage rate and term you select. Your estimated payment will be displayed on the Offers Page. Lines of Credit require a minimum payment of 2% of the outstanding balance plus interest accrued monthly.
A fee of 2% of the outstanding loan amount will be charged if you refinance your loan with another bank. Otherwise, there is no prepayment fee.
No fees are charged for advances on your line of credit.
The interest rate that you see on your line of credit offer is the initial rate based on the current Prime Rate plus margin. This rate will change whenever Prime changes.
As guarantor, you are applying for joint credit with the business indicated on this application.
A U.S. citizen or other person legally authorized to reside in the United States.
A politically exposed person is one who has been entrusted with a prominent public function. A PEP generally presents a higher risk for potential involvement in bribery and corruption by virtue of their position and the influence that they may hold.
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Getting small business funding should be easy.⁠ Now it is.


If you’re interested in learning more about our SBX Loan and Line of Credit options, please contact one of our representatives.

How to contact us:

  • Call 1-888-982-0570 to speak to a member of the SBX Credit Team, Monday – Friday 8:00am – 5:00pm EST.

  • Email the SBX Credit Team at


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