SBA CAPLines

SBA CAPLines are designed to help small businesses manage cyclical cash flow needs through revolving lines of credit.

two colleagues discussing a Caplines loan from Byline Bank

Don’t let cash flow concerns get in your way.

Small businesses can utilize SBA CAPLines for short-term working capital for a variety of needs, including:

  • Acquiring inventory and processing large customer orders
  • Supporting payroll during seasonal revenue fluctuations
  • Business expansion during market opportunity
  • Lower pricing structure than typical asset-based or finance company loans
  • Ability to speed up collections and reduce average daily loan balances through lockbox/cash collateral accounts

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Unique benefits of SBA CAPLines financing.

See if CAPLines can solve your business’ cyclical needs:

Up to $5 million in loans, for 12 months to 10 years.

Interest-only loan payments.

Pledge accounts receivable and inventory as collateral.

Competitive rates.

Up to 80% of eligible accounts receivable.

Up to 50% of eligible inventory.

See which loan option is right for your small business.

SBA 7(a) loans

Helps small businesses grow by offering longer, more flexible terms and lower-equity contributions.

  • Up to $5 million in loans
  • 25-year terms for real estate
  • 15-year terms for non-real estate debt

Get a SBA 7a loan

Full 7(a) details

SBA 504 loan

Provides approved small businesses with long-term, fixed-rate financing to acquire fixed assets for expansion or modernization.

  • 90% financing with longer loan amortizations
  • Fixed-rate interest rates for loans between $1.5 million and $10 million

Get a SBA 504 loan

Full 504 details

SBA CAPLines

Designed to help small businesses manage cyclical cash flow needs through revolving lines of credit.

  • Up to $5 million in loans, for 12 months to 10 years
  • Up to 80% of eligible accounts receivable
  • Up to 50% of eligible inventory

Get a SBA CAPLine

Full CAPLine details

USDA loans

Designed to help rural communities succeed through business financing for growth, stability and employment opportunities.

  • Loans between $1 million and $10 million
  • 30 years for real estate and 15 years for equipment

Get a USDA loan

Full USDA details

Write your next chapter with a Byline small business loan.

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