Keep Your Business Running and Growing
Payroll gaps, inventory needs, seasonal slowdowns — every business hits cash flow crunches. SBA 7(a) working capital loans give you the runway to bridge the gap, seize opportunities, and fund growth without sacrificing operations.
Term Loan or Line of Credit?
Two structures solve different cash flow problems. Here's how to choose.
SBA 7(a) Term Loan
Lump sum disbursed upfront, repaid in fixed monthly payments over the loan term.
Best For
- ✓One-time large inventory purchase
- ✓Hiring and onboarding campaigns
- ✓Marketing/advertising spend
- ✓Bridge to new contract revenue
- ✓Defined growth initiative
SBA CAPLine (LOC)
Revolving line of credit — draw, repay, and draw again up to your credit limit.
Best For
- ✓Seasonal revenue fluctuations
- ✓Contractor and subcontractor costs
- ✓Ongoing inventory management
- ✓Accounts receivable gaps
- ✓Cyclical business cash flow
Common Use Cases
How growing businesses use SBA working capital loans.
Inventory Build-up
Stock up before peak season or fulfill a major new contract without straining cash flow.
Payroll & Staffing
Fund new hires, payroll during slow periods, or expansion into new markets.
Marketing Campaigns
Launch advertising campaigns, digital marketing, or trade show presence.
AR Gaps
Bridge the gap between delivering services and receiving payment from customers (Net 30/60/90).
New Location Prep
Pre-open costs, staff training, and initial stocking for an expansion location.
Tech Upgrades
Software, subscriptions, and operational systems that are too short-lived for equipment financing.
Seasonal Bridge
Carry operations through your slow season so you arrive at peak season fully staffed and stocked.
Contract Mobilization
Fund startup costs on a new government or commercial contract before invoicing begins.
Typical Loan Terms
Frequently Asked Questions
Common questions about SBA working capital financing.
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