Ongoing program · Loan guarantee

SBA 7(a) Working Capital Pilot (WCP) Lines of Credit

U.S. Small Business Administration, Small Business Administration

Key facts

Copied word-for-word from the official SBA page. Last verified October 28, 2026.

Program name: SBA 7(a) Working Capital Pilot (WCP) Lines of Credit
Issuing agency: U.S. Small Business Administration (Small Business Administration)
Funding type: Loan guarantee
Funding purpose: Business and Commerce
Status: Ongoing program
Application deadline: Ongoing program · no application deadline published
Published loan amount: Up to $5,000,000
Eligible applicants (our reading of the official page): Small businesses
Relevant to: BusinessesHow we determined this: Derived from the eligibility statement on the official page (small business).
Geographic restrictions: Nationwide federal program (check the official page for any location requirements).
Official source: View the official program page ↗
How to apply (from the official page): Use SBA’s Lender Match tool to be matched with a participating SBA lender that can provide you with funding at competitive rates and fees.
Source: www.sba.gov/loans/7a-loans/
Last verified: October 28, 2026 (against the official SBA page)
Record confidence: highCurated from the official agency page; reviewed by an editor.

Eligibility details (from the agency)

Consider a 7(a) WCP loan if your small business: Can benefit from a line of credit up to $5 million Operates in industries like manufacturing, wholesale, or professional services Has at least one-year of operating history Can produce timely and accurate financial statements, accounts receivable and accounts payable agings, and inventory reports Wishes to fulfill large contracts or projects and/or borrow against accounts receivable or inventory

Description (from the official program page)

SBA’s 7(a) WCP is a pilot loan program that offers monitored lines of credit within the 7(a) loan program. 7(a) WCP has been engineered to: Support a range of financing needs for growing small businesses Bring together the best features of the existing permanent 7(a) line of credit delivery methods Provide financing for domestic and/or export purposes Offer one-on-one counseling with SBA’s subject-matter experts to both small businesses and lenders

Report an error or outdated information on this page

Related opportunities

Open (posted)Cooperative AgreementBusinesses

FY27 Small Business Development Center State of Kansas Network Rebid

Small Business Administration · SB-OEDSB-27-001

Deadline: Closes November 19, 2026(20 days left)
Published award range: Published award: $777,777 – $1,144,946

Ongoing programFree advising / technical assistanceBusinessesNonprofits

SCORE free business mentoring

U.S. Small Business Administration · Small Business Administration

Deadline: Ongoing program · no application deadline published
Published award range: Free or low-cost help

Ongoing programLoanBusinessesNonprofits

SBA Economic Injury Disaster Loans (EIDL)

U.S. Small Business Administration · Small Business Administration

Deadline: Ongoing program · no application deadline published
Published award range: Published loan amount: Up to $2,000,000

Ongoing programEquity / investment capitalBusinesses

Small Business Investment Companies (SBIC) financing

U.S. Small Business Administration · Small Business Administration

Deadline: Ongoing program · no application deadline published
Published award range: Amount not stated on the official SBA page

Ongoing programLoanBusinesses

SBA Microloan Program

U.S. Small Business Administration · Small Business Administration

Deadline: Ongoing program · no application deadline published
Published award range: Published loan amount: Up to $50,000