SBA CAPLines Program

The SBA CAPLines program has four SBA loans or lines of credit designed to provide up to $5 million to help small businesses meet their short-term and cyclical working capital needs. SBA CAPLines are best for businesses that need a revolving line of credit to make recurring payments or to prepare for unexpected expenses.​


While technically SBA CAPLines can be issued as stand-alone products, they are typically only offered to borrowers in conjunction with a traditional SBA 7(a) loan or a CDC/SBA 504 loan. Well-qualified borrowers or businesses that have the potential to bring in a great deal of other business to a bank may be able to find a lender willing to issue a stand-alone CAPLines line of credit, but this is less common.