Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
At a glance
Credit limit: Up to $5M (Matches SBA 7(a) program cap)
APR: Prime + SBA spread (SBA rate cap applies — lowest at this size)
Funding speed: 45–60+ days (PLP bank with clean file)
Sub-programs: Seasonal, Contract, Builders, Working Capital (Match sub-program to use of funds)
Who SBA CAPLines is best for
Established businesses needing $250K+ revolving credit at SBA rates
Pros
Lowest interest rate available on large-dollar revolving credit
Up to $5M revolving limit — no non-bank LOC reaches this size
Sub-programs purpose-built for seasonal, contract, and working-capital uses
SBA guarantee reduces bank credit risk — more accessible than conventional bank LOC at same size
Cons
45–60+ day timeline — not for cash needs under 6 weeks
Requires 2+ years TIB, 680+ FICO, DSCR 1.15+ — same credit box as SBA 7(a)
SBA guarantee fee applies in addition to bank fees
SBA CAPLines requirements
680+ FICO
2+ years TIB
DSCR 1.15+
SBA size-standard eligible
SBA CAPLines alternatives
U.S. Bank Business Line of Credit(U.S. Bank) — Established U.S. Bank customers needing revolving credit at bank rates Read reviewGet started at U.S. Bank →
SBA CAPLines — Lowest-rate large-dollar revolving credit via SBA 7(a) program Best for: Established businesses needing $250K+ revolving credit at SBA rates. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
Advertiser disclosure: some links are from our partners — we may earn a commission at no cost to you. Rankings and editorial assessments are independent of compensation.