Legal Disclaimer: All loan applications are subject to credit approval and underwriting guidelines. Terms and conditions may vary based on creditworthiness and business qualifications. This is not an offer to lend. Rates, terms, and conditions are subject to change without notice. SBA Disclaimer: SBA loans are subject to SBA approval and government regulations. Interest rates are variable and subject to change. Business experience requirements may apply. Regulatory Information: Licensed lender in all 50 states. Equal Housing Opportunity Lender. For more information about our lending practices, please contact our compliance department. Exponent Charge Cards are issued by Cross River Bank, Member FDIC. Exponent partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.