Working-capital lines
SBA CAPLines
SBA lines of credit for cyclical and contract-based businesses.
CAPLines are SBA-backed lines of credit designed for working-capital needs that ebb and flow — seasonal businesses, contractors, and companies financing receivables or inventory. Flexible access to capital when your cash cycle isn't steady.
Best for
- Seasonal or cyclical businesses
- Contractors and builders
- Companies financing receivables or inventory
Common uses
- Bridging seasonal cash-flow gaps
- Financing specific contracts or projects
- Construction / builders working capital
- Carrying receivables and inventory
What you'll need
- For-profit US business under SBA size limits
- A working-capital cycle CAPLines is designed for
- Repayment ability and owner credit reviewed
At a glance
- Loan amount
- Up to $5,000,000
- Structure
- Revolving or transaction-based line
- Types
- Seasonal, Contract, Builders, Working Capital
- Backed by
- The SBA 7(a) program
SBA CAPLines questions
What are the CAPLines types?
Four: Seasonal, Contract, Builders, and Working Capital — each tailored to a different cash-flow pattern. Your specialist matches you to the right one.
Is CAPLines a line of credit?
Yes. CAPLines provide SBA-backed lines of credit rather than a lump-sum term loan, so you draw as your working-capital cycle requires.
Other SBA programs
See what you qualify for today.
One application, every option compared. No fee, no obligation, no credit impact.