Working-capital lines

SBA CAPLines

SBA lines of credit for cyclical and contract-based businesses.

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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.

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