SBA CAPLines Nationwide, Revolving Lines of Credit Up to $5 Million
π SBA Revolving Working CapitalI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. SBA CAPLines are the SBA’s umbrella program for short-term and cyclical working capital, and one of the only ways to get a revolving line of credit backed by the SBA. Four line types, up to $5 million, built for seasonal swings, contracts, construction and asset-based cash needs. I match you to the right CAPLine lender.
SBA CAPLines Come in Four Flavors
SBA CAPLines are not one product, they are an umbrella with four distinct revolving-line types, each built for a different cash-flow pattern. The trick with SBA CAPLines is matching the right one to how your business actually earns and spends. That is exactly what I do.
SBA CAPLines: Seasonal Line
Finances the seasonal increases in your accounts receivable and inventory, and in some cases the associated labor costs. Built for businesses that ramp up and wind down with the calendar. May be revolving or non-revolving.
Contract CAPLine
Finances the costs of one or more specific contracts, including the overhead and general and administrative expenses allocable to those contracts. Draw to deliver the job, repay as you get paid. May be revolving or non-revolving.
Builders CAPLine
Finances small general contractors to construct or rehabilitate residential or commercial property for resale. Per the SBA, “construct” and “rehabilitate” mean on-site work to the structure, utility connections and landscaping. A specific exception to the usual rule against financing investment property.
Working CAPLine
An asset-based revolving line for businesses that can’t meet long-term credit standards, covering cyclical growth and recurring short-term needs. You draw against existing assets and repay as your cash cycle dictates. Often used by businesses that extend credit to other businesses.
Seasonal Business Stopped Choking on Inventory Swings With a CAPLine
A seasonal retailer made most of its money in a few peak months but had to buy inventory and staff up months ahead. Every year, cash got dangerously tight in the build-up, and a regular term loan did not fit a need that came and went.
The owner called me. I matched the business to a Seasonal SBA CAPLine: a revolving line sized to the seasonal increase in inventory and receivables, to draw against heading into peak and pay down as the sales came in. The annual cash crunch became a non-event.
That is the difference between white-knuckling every season and the right revolving line. Don’t Beg the Bank! Get funded instead.
Why SBA CAPLines Are Different From a Term Loan
SBA CAPLines work differently from a term loan. A term loan hands you a lump sum and a fixed payment. A CAPLine is a revolving line you draw against as you need it and pay down as cash comes in, sized to your actual working-capital cycle. Per the SBA, revolving lines of credit are permitted only under SBA Express, Export Express and CAPLines, which makes a CAPLine one of the few genuine SBA-backed revolving options.
Revolving, Not Lump Sum
Draw what you need, repay, and draw again. You pay for the capital you actually use, not a fixed lump sum sitting idle.
Sized to Your Cycle
The line is built around your real cash-flow pattern, your season, your contracts, your asset base, not a one-size number.
Up to $5 Million
As part of the 7(a) program, a CAPLine can go up to $5 million, real working capital for a real operation.
SBA-Backed
Government-backed terms and pricing, capped by the SBA, with the credit and structure set by your lender.
Defined Exit Strategy
CAPLines are built around a clear repayment and exit plan tied to your cycle, that is part of qualifying.
Manufacturer? Ask About MARC
Manufacturers can also look at the SBA’s MARC revolving line, a separate 7(a) option up to $5 million. I’ll point you to the right one.
SBA CAPLines Amounts, Maturities and the Fine Print
The headline numbers for SBA CAPLines are simple, with one important wrinkle on the Builders line. Here is the honest breakdown straight from the SBA.
| CAPLine Type | Best For | Max Maturity |
|---|---|---|
| Seasonal | Seasonal AR and inventory increases | Up to 10 years |
| Contract | Costs of specific contracts | Up to 10 years |
| Working | Asset-based cyclical cash needs | Up to 10 years |
| Builders | Build or rehab property for resale | 60 months + build time |
| Bigger term loan? | Real estate, acquisition, equipment | SBA 7(a) loans |
Swipe to see all columns β
CAPLines are part of the SBA 7(a) program and can be approved up to $5 million. Per the SBA, with the exception of the Builders CAPLine, the maximum maturity on a CAPLine is 10 years; a Builders CAPLine must not exceed 60 months plus the estimated time to complete construction or rehabilitation. Interest rates are negotiated between lender and borrower but may not exceed the SBA maximum. Revolving lines of credit are permitted only under SBA Express, Export Express and CAPLines. The Working CAPLine and other lines may carry additional lender servicing and monitoring fees. A 650 FICO is a typical lender floor, not an SBA rule. Final structure, rate and term are set by the lender. This is not a commitment to lend.
Right CAPLine, Right Lender, No Guesswork.
Picking the wrong SBA CAPLines type, or a lender that doesn’t do CAPLines, wastes weeks. I match the line to your cash cycle and the lender to the line.
Quick Pre-Qual
I learn how your business earns and spends, the season, the contracts, the assets, so we pick the right line.
I Match Type and Lender
Seasonal, Contract, Builders or Working, then the lender that actively does that CAPLine and wants your deal.
You Apply Through the Lender
You work directly with the lender, who underwrites, sets the terms and structures the revolving line.
Draw and Repay
You draw against the line as your cycle demands and pay it down as cash comes in. Capital that flexes with you.
Who SBA CAPLines Are, and Are NOT, For
SBA CAPLines are cyclical working capital, not a long-term loan for fixed assets. I qualify deals honestly so neither of us wastes time. If you’re on the left, call me today.
β This IS for you ifβ¦
- βYour cash needs swing with seasons, contracts or cycles.
- βYou want a revolving line, not a fixed lump-sum loan.
- βYou’re a contractor or builder funding jobs before you get paid.
- βYou have receivables, inventory or contracts to base a line on.
- βYou can define a clear repayment and exit plan.
π« This is NOT for you ifβ¦
- βYou’re buying real estate … that’s an SBA 504 loan or 7(a).
- βYou want a long-term loan for fixed equipment.
- βYou have no receivables, contracts or seasonal pattern to base a line on.
- βYou need a fast, simple small loan … look at SBA Express.
- βYou won’t sign a personal guarantee.
Pre-Qualify for an SBA CAPLine
Sixty-second SBA CAPLines pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your SBA CAPLines pre-qualification landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent SBA CAPLines From My Desk
A snapshot of the SBA CAPLines I match to the right lenders. Every cash cycle is different, yours starts with a conversation.
$750K Β· Seasonal Retailer
Seasonal CAPLine sized to inventory and receivable swings, drawn into peak and paid down after.
$1.2M Β· Government Contractor
Contract CAPLine to cover labor and materials on awarded contracts, repaid as the client paid.
$900K Β· Small Homebuilder
Builders CAPLine funding on-site construction costs on spec homes built for resale.
How I Match SBA CAPLines to the Right Type and the Right Lender
SBA CAPLines reward getting two things right: the line type and the lender. Pick the wrong type for your cash cycle, or take it to a lender that doesn’t actively do CAPLines, and you burn weeks. I match the right SBA CAPLines option to how your business actually earns and spends, then send it to a lender that wants it. That is the whole point of working with me.
Here is what makes SBA CAPLines worth understanding. CAPLines is an umbrella program inside the SBA 7(a) family, built specifically for short-term and cyclical working-capital needs, and per the SBA, revolving lines of credit are permitted only under SBA Express, Export Express and CAPLines. That makes a CAPLine one of the few ways to get a genuine SBA-backed revolving line. There are four types. The Seasonal CAPLine finances the seasonal increase in your receivables and inventory. The Contract CAPLine finances the costs of specific contracts, including allocable overhead. The Builders CAPLine funds small general contractors building or rehabilitating property for resale. And the Working CAPLine is an asset-based revolving line for cyclical and recurring needs, often used by businesses that extend credit to others.
The numbers are straightforward with one wrinkle. As part of the 7(a) program, a CAPLine can be approved up to $5 million, and rates are negotiated with the lender within the SBA cap. Per the SBA, the maximum maturity on a CAPLine is 10 years, with one exception: a Builders CAPLine must not exceed 60 months plus the estimated time to complete construction or rehabilitation. Because lines like the Working CAPLine require ongoing collateral monitoring, the lender may charge additional servicing fees. A clear repayment and exit plan is part of qualifying.
So tell me how your cash moves. Seasonal, contract, builder or asset-based? An SBA CAPLine. A manufacturer wanting a revolving line? Ask me about the SBA’s MARC program, a separate 7(a) revolving option. A homebuilder? There’s also the SBA’s newer Working Capital Pilot for builders, which is separate from CAPLines and worth a look. Need a fast, simple line under $500K instead? Compare an SBA Express loan. Need a bigger term loan? A full SBA 7(a) loan. Want a line outside the SBA? Compare a business line of credit, working capital loans or invoice factoring. Building ground-up? See construction and development loans. Want the full menu? See all my SBA loans or browse every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Straight Answers Before You Apply
What are SBA CAPLines?
What are the four types of SBA CAPLines?
How much can I borrow with an SBA CAPLine?
What are the maturity terms on an SBA CAPLine?
Is an SBA CAPLine a revolving line of credit?
What does it cost to work with you?
A CAPLines Advisor Who Picks the Right Line for Your Cash Cycle
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a banker. CAPLines reward matching the right line type to how your business actually earns, then finding a lender that does that line. I match your CAPLine to the type and lender that fit and stay with you through it. For the official program details, see the SBA’s types of 7(a) loans page and its 7(a) loan program overview.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and a rigid term loan rarely fits a cash cycle that comes and goes. I match you to the right SBA CAPLines option so your capital flexes with you … up to $5 million, a revolving line built for your season, contracts or assets, and a same-day callback from a broker who knows which lender does which line.
Loan amounts, rates, terms and structures shown reflect SBA program parameters and typical lender practice, not guarantees. SBA CAPLines are part of the SBA 7(a) loan program and can be approved up to $5 million. There are four CAPLine types: Seasonal, Contract, Builders and Working. Per the SBA, with the exception of the Builders CAPLine, the maximum maturity on a CAPLine is 10 years; a Builders CAPLine must not exceed 60 months plus the estimated time to complete construction or rehabilitation. Interest rates are negotiated between lender and borrower and may not exceed the SBA maximum. Revolving lines of credit are permitted only under SBA Express, Export Express and CAPLines; the Seasonal and Contract CAPLines may be revolving or non-revolving. Lines that require ongoing collateral monitoring, such as the Working CAPLine, may carry additional lender servicing fees. A 650 FICO is a typical lender floor, not an SBA requirement; a personal guarantee is generally required. The MARC and 7(a) Working Capital Pilot programs referenced are separate SBA programs, not CAPLines. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the SBA and the lender. This is not a commitment to lend.