• Loan Amount

    $200k – 5M

  • Term

    Up to 5 Years

  • Time to Funding

    As few as 30 Days

  • Interest Rate

    5.75 – 8.25%

SBA CAPLines Program

The CAPLines working line of credit program is a range of financial products designed to assist small businesses with their short-term and cyclical capital needs. In most cases, these products are only available to companies which already have a traditional SBA 7(a) or CDC/SBA 504 loan. In rare cases, qualified borrowers or well-connected businesses with the potential to bring other borrowers to a bank, may find a lender willing to provide a stand-alone CAPLines LOC.


  • Converting invoices to cash
  • Covering seasonal costs
  • Covering costs of materials and labor for a building project

SBA CDC/504 Loans In Detail

  • 660+ Credit score
  • Business must pledge accounts receivable, inventory, purchase orders, or contracts as collateral for loan
  • For the seasonal line of credit program, the business must be at least 1 year old and show a seasonal pattern to revenue

Seasonal increases in accounts receivable, inventory needs, or related increased labor costs. Businesses which operate seasonally, or which have significant changes in activity between season, may encounter cash flow problems coming in to a busy season. This product allows those businesses to expand as rapidly as possible by avoiding cash shortages. Your business must have been in operation for at least one year.

The following product has a limit up to $5 million

Materials and labor associated with assignable contracts. If your company has secured an assignable contract but doesn't have the resources available to meet the contract, and if the contract meets the SBA guidelines of retaining or creating jobs, the Contract Line of Credit may be the answer.

The following product has a limit up to $5 million

Materials, equipment, labor, permits and even land purchases (land purchase expenses may not exceed 20% of the total LOC limit). Similar to the Contract Line of Credit, the Builders Line has a great deal of flexibility. This LOC may be used for a wide range of costs associated with building or renovating a residential or commercial property, where the intent is to sell that property to an as yet unknown party upon completion. Be aware, however, that this LOC is the most heavily regulated of the CAPLines programs and funds disbursements may be dependent upon project milestones.

The following product has a limit up to $5 million

Converts short-term assets (such as invoices) in to cash. Very similar to Invoice Financing, the Standard Asset-Based LOC may be a better solution for larger companies, as the cost of borrowing may be substantially lower than costs for Invoice Financing. Note this LOC may not be used for delinquent taxes, floorplanning or the purchase of fixed assets.

The following product has a limit up to $5 million

Allows small businesses to convert short-term assets (such as invoices) into cash. Has looser servicing requirements than the Standard Asset-Based Line but the same benefits and limitations.

The following product has a limit up to $200,000

Major advantages to businesses of the CAPLines program is that interest is only paid on the amount actually borrowed, and that further cash is always quickly and easily available up to the maximum loan amount.


  • Set payments at regular intervals
  • Can be used for a wide variety of purposes
  • Relatively low interest rate
  • Long repayment schedule


  • Lengthy application process
  • May carry early payment penalty
  • Variable interest rates may increase


If you’re confused or need clarification about the qualifying requirements for the SBA Loan Program, please contact us. We’ll be happy to help.

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