SBA Express Loan: Requirements & Application (2024)

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The U.S. Small Business Administration’s (SBA) Express loans can help small business owners access loan funds and lines of credit to buy real estate, finance equipment, refinance debt and otherwise cover operating costs. Loan amounts max out at $500,000, but approval times are much faster than for other SBA loans. Still, business owners must meet the SBA’s extensive application requirements to qualify—and get approved—for an Express loan.

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What Is an SBA Express Loan?

SBA Express loans are business loans that fall within the SBA’s 7(a) loan program. This type of SBA loan can be used for a range of business purposes, including working capital or the purchase of equipment, real estate or an existing business. Business owners can opt for either standard Express loans or Export Express loans, with the latter reserved for small export businesses.

Loan amounts extend up to $500,000 for both standard Express loans and Export Express loans. Available repayment terms vary depending on the type of loan and purpose—seven years for lines of credit, 25 years for real estate loans and five to 10 years for other loans. Interest rates depend on the lender, borrower qualifications and size of the loan, but max out at prime rate plus 6.5% for loans of $50,000 or less, and prime rate plus 4.5% for loans greater than $50,000.

How SBA Express Loans Work

As with other types of loans within the SBA’s 7(a) program, SBA Express loans are issued by a network of SBA-approved lenders, with a certain percentage backed by the SBA—up to 50% for Express loans and up to 90% for Export Express loans. Borrowers must apply for loans through individual lenders using SBA Form 1919 and any other forms and procedures required by the specific financial institution.

In general, loans under the SBA 7(a) program require a down payment of 10%, but it may be higher for startups. Express loans over $25,000 also come with a collateral requirement, while Export Express borrowers must comply with their individual lenders’ collateral requirements.

The SBA responds to Express loan applications within 36 hours and to Export Express loans within 24 hours, but eligibility decisions and credit decisions are made by individual lenders. Likewise, funding speeds vary by lenders, with Express lines closing within 30 to 60 days, on average.

Types of SBA Express Loans

Just as there are many types of business loans, SBA Express loans come in two forms: standard Express loans and Export Express loans, both of which are part of the SBA 7(a) program. While the two loan options share some characteristics, Export Express loans are specifically meant for small export businesses.

Loan types Loan amounts Rates Repayment terms Loan uses
SBA Express LoanTerm loans and lines of creditUp to $500,000Market prime rate, plus 4.5% to 6.5%7 years for lines of credit; 25 years for real estate loans; 5 to 10 years for other loansWorking capital, real estate, equipment and debt refinancing, among others
SBA Export Express LoanTerm loans and lines of creditUp to $500,000Market prime rate, plus 4.5% to 6.5%7 years for lines of credit; 25 years for real estate loans; 5 to 10 years for other loansInvestment in business growth for small export businesses

SBA Express Loan

SBA Express loans are the standard form of Express loan available to eligible small businesses operating in the U.S. or its territories. Approval times are much shorter than for most SBA loans, with the SBA responding to applications within 36 hours. Loans are available up to $500,000, with up to 50% backed by the SBA. Interest rates max out at the prime rate plus 4.5% to 6.5% and ultimately depend on the loan amount, lender and borrower qualifications.

SBA Export Express Loan

Unlike standard Express loans, SBA Export Express loans are reserved for exporters who need funds to support export development activities. The maximum loan amount is still $500,000, but 75% of the loan is guaranteed by the SBA for loans larger than $350,000, and 90% is backed for those less than $350,000. As with standard Express loans, approval times are abbreviated—the SBA takes only 24 hours to respond to applications.

SBA Express Loan Requirements

The SBA imposes extensive eligibility requirements on small business owners who want access to Express loan funds. To qualify for an SBA Express loan, an applicant business must:

  • Be considered a small business by the SBA
  • Operate for profit in the U.S. or its territories
  • Have reasonable owner equity to invest
  • Have used alternative financial resources—like personal assets—before applying for financial assistance through the SBA

In addition to the SBA’s requirements, borrowers must meet their individual lender’s requirements. This may include minimum annual revenue, a certain time in business and FICO score requirements, with lenders typically requiring a score of at least 650.

Pursuant to SBA requirements, borrowers also must provide collateral for standard SBA Express loans over $25,000; collateral requirements for Export Express loans are established by individual lenders.

How to Get an SBA Express Loan

In addition to applying for an SBA Express loan through an approved lender, borrowers must meet SBA eligibility requirements and submit SBA-specific forms. For that reason, the application process varies slightly from getting a business loan. Follow these steps to get an SBA Express loan:

  1. Evaluate your borrowing needs. Before applying for an SBA Express loan, determine why your business needs cash and how much money you need to borrow. Because SBA Express loans are only available up to $500,000, they may not be adequate to cover your borrowing needs. What’s more, Express loan funds can only be used for certain approved purposes.
  2. Check your eligibility. In addition to placing limitations on loan amounts and uses, the SBA imposes specific eligibility requirements for each of its loan programs—including Express loans and Export Express loans. Make sure your business is eligible for an Express loan before committing additional time to the application process.
  3. Identify a lender. SBA Express loans are issued through approved lenders, with a certain percentage of the loan guaranteed by the SBA. For that reason, applying for an Express loan requires identifying an SBA-backed financial institution and following its application process. As part of this process, evaluate each lender’s interest rates and other features to confirm it is a good fit. The SBA provides a lender matching tool that makes it easier to find a lender that meets your needs.
  4. Complete SBA Form 1919. Regardless of the lender, all Express loan applications must complete an SBA Form 1919. This form requests information about business ownership, how funds will be used, the number of employees and SBA loan application history. Complete and submit the form in accordance with your participating lender’s application process.
  5. Provide supporting documents. In contrast to some SBA loans, individual lenders make eligibility and credit decisions for Express and Export Express loans. Depending on the lender, it may be necessary to provide projected financial statements, business credit reports, business and personal tax returns, a business plan and other relevant documents.
  6. Await SBA approval. The SBA responds to Express loan applications within 36 hours and to Export Express loan applications within 24 hours. These turnaround times are substantially shorter than for other SBA loans, which take between five and 10 business days for approval.

Once a loan is approved by the SBA, lender credit approval and funding speeds vary. In general, though, business owners close on Express loan funds within 30 to 60 days of approval.

SBA Express Loans vs. SBA 7(a)

SBA Express loans fall under the umbrella of the SBA 7(a) loan program and feature the same general eligibility requirements. Likewise, both Express loans and SBA 7(a) loans can be used to obtain working capital, finance equipment, refinance debt and cover other business-related expenses. There are, however, several differences that distinguish SBA Express loans from the general 7(a) program.

Most importantly, Express loans feature a less rigorous application process and are approved within 24 or 36 hours of submitting a complete application, depending on the type. In contrast, 7(a) loans take five to 10 business days for approval and borrowers must complete additional SBA application forms. That said, interest rates for Express loans go up to 9.75% while SBA 7(a) loans top out at 8%. SBA Express loans also are limited to $500,000 and 7(a) loan amounts extend up to $5 million.

Pros and Cons of SBA Express Loans

SBA Express loans can help business owners maintain—or expand—operations on a more accelerated timeline than other SBA loans. However, these loans are not a good fit for every borrower, so it’s important to understand the pros and cons.

Pros of SBA Express Loans

These are the main advantages of SBA Express loans:

  • Faster turnaround time than for other SBA-backed loans
  • Less robust application process compared to traditional SBA loans
  • Borrowers can choose from term loans and lines of credit

Cons of SBA Express Loans

Consider these disadvantages before committing to an SBA Express loan:

  • Minimum qualification requirements can be difficult to meet
  • Smaller loan amounts than available for standard SBA 7(a) loans
  • Higher interest rates due to less comprehensive underwriting process
  • Lenders may still take a long time to process and fund loans

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Frequently Asked Questions (FAQs)

Do SBA Express loans require down payment?

The SBA requires borrowers to make a down payment on certain, more popular loan types. Loans in the SBA 7(a) program—including Express loans—come with down payments between 10% and 30% of the total loan amount. Ultimately, the down payment amount depends on the borrower’s cash flow, collateral and other financial factors.

Can I use an SBA Express loan to buy a business?

SBA Express loans can be used to finance the purchase of an existing business or expand a new business. Likewise, funds can be used to start a new business, finance existing business debt, provide working capital and purchase real estate, equipment and supplies.

Is it hard to get approved for an SBA loan?

In general, the application process for SBA loans is more rigorous than for other types of business loans. Applicants must meet extensive eligibility requirements and provide robust application materials and supporting documents.

Once a business owner submits a complete application, it can take up to 36 hours for the SBA to make a lending decision for Express loans, and five to 10 business days for other SBA 7(a) loans. Ultimately, however, the length of the application, approval and funding processes can further vary based on the individual lender.

SBA Express Loan: Requirements & Application (2024)

FAQs

Is it hard to get an SBA Express loan? ›

There is no minimum credit score required by the SBA for an SBA Express loan, but individual lenders may require a minimum personal credit score: 680 or above is common. SBA loans typically involve a personal credit check for all owners with 20% or greater ownership, and may involve a business credit check as well.

How long does it take to get an SBA Express loan? ›

The SBA responds to Express loan applications within 36 hours and to Export Express loan applications within 24 hours. These turnaround times are substantially shorter than for other SBA loans, which take between five and 10 business days for approval.

What credit score do I need for a SBA loan? ›

Is there a Credit Score Minimum for SBA Loans? The Small Business Administration doesn't set specific credit score minimums for SBA loans. However, lenders set their own SBA loan requirements, and you'll typically need a credit score somewhere around 620-640+ to get an SBA loan.

What are the chances of getting approved for an SBA loan? ›

Big bank approval rates might be anywhere between 10 percent and 30 percent of loans, while small bank and credit union approval rates hover between around 20 percent and 40 percent. What this means is that any particular loan has a greater than 50 percent chance of being disqualified.

What is the maximum SBA Express loan amount? ›

Loan amounts

Most 7(a) loans have a maximum loan amount of $5 million. However, SBA Express loans have a maximum loan amount of $350,000. SBA Export Express loans have a maximum loan amount of $500,000.

How do I get an express loan? ›

Express loans are available through approved lenders such as Chase and Citizens Bank. You'll need to apply directly with a participating financial institution to get an SBA Express loan. The best lender for an SBA Express loan will be the one that offers you the lowest interest rate.

How will I know if my SBA loan is approved? ›

If your loan is approved, the SBA will send you an email with loan details. Contact the SBA directly if you have not received an email and want to check your application status. Depending on your lender, you may also be able to check your application status online or by contacting your loan officer.

What happens after SBA loan is approved? ›

After approval, the lender will disburse the funds in days or a few weeks. The funds can be used for various purposes, including working capital, purchase of equipment or inventory, and business expansion. Some SBA loans, though, restrict how you can use the funds.

How long after my loan is approved do I receive the money? ›

As with banks, it usually takes one to seven days to receive funds after approval. Approval itself is typically offered on the same day you apply, as long as you fit all of the requirements.

Can I get a loan with a 500 credit score? ›

Personal loans for a credit score of 500 are not easy to get, but that doesn't mean it's impossible. Some lenders deal mainly with borrowers who have bad credit and may not even check a potential borrower's credit rating.

Can I get a business loan with a 500 credit score? ›

When you have bad credit, you can still get a small business loan. This is because your credit score doesn't matter as much as the overall financial health of your business. Many lenders require a minimum credit score of 500, at least six months in business, and more than $30,000 in annual revenue.

Can I get a SBA loan with a 570 credit score? ›

The short answer is that you must have a credit score of 570 or higher to be eligible for a COVID-19 EIDL up to $500,000, and 625 for a larger loan.

Why are SBA loans denied? ›

Common Reasons SBA Loan Applications Get Denied

Credit score is too low or not long enough, or credit history contains other red flags like a recent bankruptcy. Issues of character (e.g. a criminal record) Not enough collateral. Not enough business revenues or capital to repay the debt.

Can self employed get SBA loan? ›

Yes, self-employed workers qualify for SBA loans. The loan amount calculation is different, but most other requirements, spending uses, and forgiveness criteria still apply.

Does SBA loan go on personal credit? ›

Even though a borrower must personally guarantee the loan, it is not reflected on a personal credit report.

Do SBA Express loans require collateral? ›

SBA Express lenders don't have to require collateral for loans of less than $25,000 (if you only need that amount or less, you should probably go with a microloan), and they can use their own collateral policy for amounts between $25,000 and $350,000.

What are the SBA requirements? ›

SBA requirements

Meet the SBA's size standards: Your business must qualify as a “small” business based on average annual receipts or average number of employees. Not be receiving funds from any other financial lenders. Be able to repay the loan based on your business's projected operating cash flow.

Who is the largest SBA lender? ›

Live Oak Banking Company was the most active SBA 7(a) lender by dollar amount in the last quarter of 2020, approving over $746 million in loans. Based in Wilmington, North Carolina, Live Oak Bank offers an online-based, streamlined application to small businesses across the U.S. and is part of the SBA PLP.

What is an Express loan with a bank? ›

A consumer express loan is exactly what it sounds like. It's a loan made to a consumer by a financial institution, and its express status means it is initiated, approved, and funded quickly, without the normal weeks of processes required for traditional personal loans.

What is the meaning of Xpress credit loan? ›

SBI offers the Xpress Credit Personal Loan scheme for individuals planning a wedding or vacation, or those making a planned big-ticket purchase. The loan can also be taken for meeting emergency financial needs. The loan amount can go up to Rs. 20 lakh and the interest rate varies from 11.50% p.a. to 12.00% p.a.

What does fully approved mean SBA loan? ›

Fully Approved – The SBA reviewed this application and approved the Borrower Requested Forgiveness Amount. ■ Partially Approved – The SBA reviewed this application and reduced the Borrower Requested Forgiveness Amount.

What does it mean when your SBA loan is under review? ›

For example, SBA may review a loan if the loan documentation submitted to the SBA by the lender or any other information indicates that the borrower may be ineligible for a PPP loan, or may be ineligible to receive the loan amount or loan forgiveness amount claimed by the borrower.

How are SBA loans disbursed? ›

In the case of SBA 7(a) and Community Advantage loans, you won't get your loan disbursement in one big check, but rather in “controlled disbursements.” Lenders choose to disburse business loan funds in pieces because it keeps you accountable for how you use the funding.

What's the next step after SBA processing? ›

Next Steps: Underwriting, Approval, and Commitment

The next stage of the SBA loan process is underwriting. This is what you might find most daunting because the lender will critique every part of your personal financial history and business. The best advice is to be as open as possible with your lender.

What does it mean when your SBA application is being processed? ›

2: Application Processed

A loan officer takes over your case to work with you to receive any additional information, review insurance or other recoveries, and recommend a loan amount. We strive to make loan determinations within 2–3 weeks after receiving complete application packages.

Why do SBA loans take so long? ›

Ultimately though, the SBA loan processing time is long because the loan doesn't come from the SBA itself –– they're just the backers, allowing financial institutions to lend to a wider variety of businesses. To receive an SBA loan, the application needs to go through the SBA and the lending institution.

What does approved pending mean on a loan? ›

Pending Approval: This means you've successfully raised the amount of your loan and your loan is pending disbursal.

How can I check my loan application status? ›

You may either call or email the customer service department to track the status of your loan. When you call the customer care, you need to provide the reference number along with the registered mobile number to the representative. Your status can be tracked within a few seconds here.

How long does it take first loan to deposit funds? ›

Banks: 1-7 business days

Personal loans from banks typically take one to seven days to fund, depending on the bank and whether you have an account with them.

What is the easiest loan to get approved for? ›

The easiest loans to get approved for would probably be payday loans, car title loans, pawnshop loans, and personal installment loans. These are all short-term cash solutions for bad credit borrowers in need.

Can I get a loan with a 480 credit score? ›

As a result, a 480 credit score will make it difficult to qualify for a loan or unsecured credit card, and you will need to focus on rebuilding your credit before trying to get a mortgage, car loan, etc.

Can I get a loan with a 400 credit score? ›

Consumers with very poor credit scores between 400 and 450 often have their credit applications rejected, according to FICO, a credit scoring agency. But it doesn't have to be that way. Loans and credit cards for 400 to 450 credit scores are still available.

Is it easier to get a loan with an LLC? ›

LLCs follow the same loan application process as other types of businesses. The major difference is who holds liability for the loan funds in case the borrower defaults. With an LLC, the company owners are not personally responsible for the loan funds unless they sign a personal guarantee.

Can I get a business loan without revenue? ›

Another option for businesses who need capital but don't have the revenue to back it up is invoice financing, a type of loan that allows businesses to borrow money against their outstanding invoices. This can be a great option if you're waiting on payments from customers, but need the money now.

Can I get approved for a business loan with bad credit? ›

Business owners with low credit scores must also demonstrate strong, stable cash flow to qualify for a business loan, and lenders may require collateral. For these reasons, an alternative form of financing like a merchant cash advance may be a better option for business owners with bad credit.

Are PPP loans still available 2022? ›

Notice: The Paycheck Protection Program (PPP) ended on May 31, 2021. Existing borrowers may be eligible for PPP loan forgiveness. SBA also offers additional COVID-19 relief.

Who is eligible for SBA microloan? ›

Businesses can use SBA Microloans for a range of purposes, including working capital or buying equipment, machinery, or supplies. Consider SBA Microloans If: You need less than $50,000 of capital and have good credit and a solid business plan.

What is SBA etran score? ›

E-Tran. E-Tran is the SBA's scoring system that lenders use to determine if the SBA will allow them to lend under the SBA's delegated authority. Scores range from 0 to 300, but the only requirement is to get a passing score of 140 or higher. If the applicant passes, the lender may proceed to fund the loan.

Is it difficult to get a SBA loan? ›

SBA loans typically have lower rates and longer terms than you could qualify for with a conventional loan. Although it's easier for a small business to qualify for an SBA loan than a conventional loan, the application requires you to provide extensive documentation of your finances.

What happens if you are denied SBA loan? ›

You may be able to reapply for an SBA loan, depending on the reason you were denied, the type of loan and the lender status. If you were denied because you don't meet SBA requirements (small business size standards, for example, or industry) you may be able to ask for reconsideration.

How many SBA loans are denied? ›

Based on approval rates from lenders, the combined approval rates equal around 50% at any given time. With SBA loans as a microcosm of this number, applicants can assume that one out of every two businesses has their SBA loan declined.

Can I get a loan without proof of income? ›

Many places can offer you a loan without verifying your income. All you have to do is pledge collateral to secure the loan. The value of the collateral will usually have to significantly exceed the loan amount.

What is the $10 000 SBA grant? ›

EIDL loans are fixed-rate low interest loans for small businesses impacted by the COVID-19 pandemic. As part of the EIDL program, businesses that apply can receive a forgivable $10,000 EIDL Advance Grant. EIDL loans offer 3.75% interest rates (2.75% for non-profits) and up to 30-year repayment terms.

Can you use PPP to pay yourself? ›

You can use the PPP funds to pay yourself through what's called owner compensation share or proprietor costs. This is to compensate you for a loss of business income. To take the full amount of owner compensation share, you will have to use a covered period of at least 11 weeks weeks.

What is the minimum credit score for SBA loan? ›

The SBA does not state specific credit score minimum requirements, but business mentors recommend entrepreneurs have a credit score in the mid to high 600s. Some loan products, like the SBA microloan program, may have SBA loan credit requirements on the lower end.

What score does SBA use? ›

The SBA uses the FICO Small Business Scoring Service, or SBSS, in many cases to evaluate the credit history of your business. SBSS scores get pulled for SBA 7(a) loan application prescreens as well.

Does SBA report to IRS? ›

Only direct obligors are reported by SBA since IRS regulations do not consider guarantors to be debtors for purposes of 1099-C reporting. The IRS and the debtor will determine what, if any, income tax obligation may exist with respect to the discharge of debt by SBA.

Do SBA Express loans require collateral? ›

SBA Express

Lenders are not required to take collateral for loans up to $25,000. May use their existing collateral policy for loans over $25,000 up to $350,000.

Do SBA loans require down payment? ›

Do SBA loans require a downpayment? Yes, the minimum SBA loan down payment requirement is 10% on 7(a) and 504 loans and is based on a business's cash flow and collateral. Weak cash flow or low-value collateral can increase the down payment requirement to up to 30% of the loan amount.

What is an Express loan? ›

The Express Loan provides an instant, fully automated process from application to funding within Digital Banking. Loan approval and amount is evaluated based on your Credit Union relationship, including factors such as length of membership, previous loan and payment history and deposit history.

Can I get a business loan without revenue? ›

Another option for businesses who need capital but don't have the revenue to back it up is invoice financing, a type of loan that allows businesses to borrow money against their outstanding invoices. This can be a great option if you're waiting on payments from customers, but need the money now.

Can SBA loans be used for personal use? ›

In short, no. There are several different SBA loan programs, and each program carries its own guidelines describing how funds can and can't be used. You may hear these referred to as “acceptable” or “allowable” use of proceeds or use of funds.

What is the difference between SBA 7a and Express? ›

Standard SBA 7(a) Loan: Typically requires collateral equal to loan amount. SBA Express Loan: No required collateral under $25,000, and lenders can use their existing collateral policy for loans between $25,000 and $350,000.

What kind of collateral do I need for an SBA loan? ›

What Are the SBA Loan Collateral Requirements? When you apply for an SBA loan, you will be subject to an ABA (All Business Assets) lien, or blanket lien. Essentially, this means everything your business owns is collateral required for your SBA loan.

Can I use a SBA loan to buy real estate? ›

We often hear the question, can an SBA loan be used to buy real estate? The answer is simple – yes. The SBA 504 Loan was specifically designed to help growing small businesses expand by purchasing fixed assets such as real estate.

What do I need for an SBA loan? ›

Here's What You Need to Provide to Meet the SBA Loan Application Requirements:
  1. Personal Background Statement. ...
  2. Professional Resume. ...
  3. Personal Credit Report & Score. ...
  4. Business Credit Report. ...
  5. Personal Tax Returns. ...
  6. Legal Documents. ...
  7. Business Plan. ...
  8. Use of Loan.
7 Apr 2017

How much deposit do I need for a business loan? ›

There is no set deposit amount for business loans, as each business is unique. Most lenders need 10 – 30% of the loan value as a deposit. This money can come from savings, working capital, alternative finance instruments or as an external investment.

What is the $10 000 SBA grant? ›

EIDL loans are fixed-rate low interest loans for small businesses impacted by the COVID-19 pandemic. As part of the EIDL program, businesses that apply can receive a forgivable $10,000 EIDL Advance Grant. EIDL loans offer 3.75% interest rates (2.75% for non-profits) and up to 30-year repayment terms.

Do all SBA loans require a personal guarantee? ›

In short, the answer is yes—standard SBA loans do require a personal guarantee, although individual lenders have some discretion to determine exactly who from the business has to sign a personal guarantee and what type of guarantee they have to sign.

Can I get a business loan with a 500 credit score? ›

When you have bad credit, you can still get a small business loan. This is because your credit score doesn't matter as much as the overall financial health of your business. Many lenders require a minimum credit score of 500, at least six months in business, and more than $30,000 in annual revenue.

How can I get a loan with no assets? ›

An unsecured loan is a loan that doesn't require you to pledge an asset, such as a house or car, as collateral. Instead, approval is based primarily on your credit score and finances.
...
  1. Pre-qualify with soft credit check.
  2. Direct payment to creditors with debt consolidation loans.
  3. Fast funding.
  4. Hardship program.
10 Jun 2022

How can I get a loan to start a business without collateral? ›

5 options for startup business loans with no collateral
  1. SBA 7(a) loans under $25,000. The United States Small Business Administration (SBA) offers financial assistance for small businesses through the SBA 7(a) loan program. ...
  2. Online business term loans. ...
  3. Merchant cash advances. ...
  4. Unsecured line of credit. ...
  5. Business credit cards.
27 Jan 2022

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