SBA Q&A

What Are SBA CAPLines?

SBA CAPLines are SBA-backed working capital lines designed for eligible short-term, seasonal, contract, or builder needs.

What Are SBA CAPLines?

SBA CAPLines are SBA-backed working capital lines designed for eligible short-term and revolving capital needs.

They may support seasonal businesses, contract financing, builder needs, or asset-based working capital requirements.

  • Seasonal CAPLine may support predictable seasonal cash needs.
  • Contract CAPLine may support costs tied to specific contracts.
  • Builders CAPLine may support eligible construction or renovation costs.
  • Working Capital CAPLine may support short-term operating needs.
  • Eligibility depends on the business and use of funds.

CAPLines may be useful when a business needs revolving or short-term working capital rather than a standard term loan.

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What Is an SBA 7(a) Loan?

SBA 7(a) loans are flexible business loans that may be used for working capital, acquisitions, equipment, refinancing, and real estate.

What Is an SBA 504 Loan?

SBA 504 loans are designed for owner-occupied real estate and major fixed asset financing with long-term repayment.

What Is an SBA Express Loan?

SBA Express loans offer smaller loan amounts, often up to $500,000, with a streamlined process and potentially faster decisions.

What Is an SBA Microloan?

SBA Microloans provide smaller loans, generally up to $50,000, through nonprofit intermediary lenders.

What Is an SBA EIDL Loan?

EIDL loans are disaster-related working capital loans designed to help businesses recover from economic injury.

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