{"ok":true,"canonical_url":"https://dealroom.so/glossary/7-a-working-capital-pilot-program","api_url":"https://dealroom.so/api/public/glossary/7-a-working-capital-pilot-program","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"7-a-working-capital-pilot-program","term":"7(a) Working Capital Pilot Program","aka":"WCP","group":"The loan itself","definition":"An SBA pilot program providing working capital with streamlined processes, often for inventory or accounts receivable. It supports operational needs post-acquisition.","what_it_means":"If your acquisition requires significant post-closing working capital beyond what standard 7(a) loans typically provide, the WCP might be relevant. It's designed to support ongoing operational needs, inventory, or accounts receivable. Discuss with your lender if this program fits your deal's specific working capital requirements, as it has its own set of rules and limitations.","url":"https://dealroom.so/glossary/7-a-working-capital-pilot-program","official_sources":[{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"},{"slug":"13-cfr-part-120","title":"13 CFR Part 120 — Business Loans","official_url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120","official_label":"View on eCFR","authority_tier":1,"publisher":"Office of the Federal Register","source_guide_url":"https://dealroom.so/sba-7a/sources/13-cfr-part-120"}],"related":[{"slug":"working-capital","term":"Working capital","url":"https://dealroom.so/glossary/working-capital"},{"slug":"use-of-proceeds","term":"Use of proceeds","url":"https://dealroom.so/glossary/use-of-proceeds"},{"slug":"accounts-receivable","term":"Accounts receivable","url":"https://dealroom.so/glossary/accounts-receivable"},{"slug":"inventory","term":"Inventory","url":"https://dealroom.so/glossary/inventory"}],"related_questions":[{"question":"Are there specific limits on the amount of working capital that can be included in a 7(a) Working Capital Pilot Program loan?","url":"https://dealroom.so/for-lenders/questions/are-there-specific-limits-on-the-amount-of-working-capital-that-can-be-included-in-a-7-a-w"},{"question":"Can an SBA 7(a) loan finance working capital?","url":"https://dealroom.so/sba-7a/questions/can-an-sba-7-a-loan-finance-working-capital"},{"question":"What does 'working capital' mean for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-does-working-capital-mean-for-an-sba-7-a-loan"},{"question":"What kind of everyday expenses can working capital cover?","url":"https://dealroom.so/sba-loans/basics/what-kind-of-everyday-expenses-can-working-capital-cover"},{"question":"What is working capital, and can a 7(a) loan cover it?","url":"https://dealroom.so/sba-loans/basics/what-is-working-capital-and-can-a-7-a-loan-cover-it"},{"question":"Can an SBA 7(a) loan be used for business working capital?","url":"https://dealroom.so/sba-loans/basics/can-an-sba-7-a-loan-be-used-for-business-working-capital"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — 7(a) Working Capital Pilot Program","url":"https://dealroom.so/glossary/7-a-working-capital-pilot-program","source_type":"DealRoom Data"}}