{"ok":true,"canonical_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","api_url":"https://dealroom.so/api/public/questions/are-there-specific-limits-on-the-amount-of-working-capital-that-can-be-included-in-a-7-a-w","question":"Are there specific limits on the amount of working capital that can be included in a 7(a) Working Capital Pilot Program loan?","topic":"Working Capital Pilot","audience":"lender","bot_mode":"lender","short_answer":"The 7(a) Working Capital Pilot Program (WCP) has specific limits on working capital, as it is primarily designed to provide revolving lines of credit up to $5,000,000 to eligible borrowers.","rule":"The 7(a) Working Capital Pilot Program (WCP) is a specialized offering primarily focused on revolving lines of credit for working capital needs, with a maximum loan amount of $5,000,000. While the WCP is designed for working capital, the specific amount provided is based on the borrower's needs as determined by the lender's underwriting and prudent lending standards, typically supported by a borrowing base.","example":"A manufacturing company qualifies for a WCP loan and is approved for a $2,000,000 revolving line of credit. The borrowing base certificate, tied to eligible accounts receivable and inventory, allows them to draw up to this maximum for ongoing working capital needs.","what_lenders_check":"Lenders participating in the WCP must understand its specific rules, including maximum loan amounts, eligible uses, and the requirement for a borrowing base. Misunderstanding these unique program aspects could lead to non-compliance.","required_facts":["Working Capital Pilot","Revolving line of credit","Maximum loan amount","Borrower needs","Borrowing base"],"source_families":["7(a) Working Capital Pilot Program Guide","Types of 7(a) Loans","SOP 50 10 - Lender and Development Company Loan Programs"],"official_sources":[{"title":"7(a) Working Capital Pilot Program Guide","url":"https://www.sba.gov/sites/default/files/2026-01/7a%20Working%20Capital%20Pilot%20Program%20Guide%20-OFA%20Final%201.26.26%20.docx"},{"title":"Types of 7(a) Loans","url":"https://www.sba.gov/partners/lenders/7a-loan-program/types-7a-loans"},{"title":"SOP 50 10 - Lender and Development Company Loan Programs","url":"https://www.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx"}],"related_questions":[],"related_terms":[{"term":"Working capital","url":"https://dealroom.so/glossary/working-capital"},{"term":"7(a) Working Capital Pilot Program","url":"https://dealroom.so/glossary/7-a-working-capital-pilot-program"},{"term":"Revolving working capital","url":"https://dealroom.so/glossary/revolving-working-capital"},{"term":"Working Capital Reserves","url":"https://dealroom.so/glossary/working-capital-reserves"},{"term":"Working capital budget","url":"https://dealroom.so/glossary/working-capital-budget"},{"term":"Working Capital Loan","url":"https://dealroom.so/glossary/working-capital-loan"}],"related_tools":[{"name":"SBA 7(a) payment & fee calculator","url":"https://dealroom.so/sba-7a/calculator"},{"name":"Find an active SBA 7(a) lender","url":"https://dealroom.so/lenders"}],"data_freshness":{"last_reviewed":"2026-06-13","sba_rule_sources_checked_through":"2026-06-13"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","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","source_type":"DealRoom Q&A"},"caveats":["Grounded in the current SBA rulebook; verify against official sources before relying on it for a live deal.","Not legal, tax, or financial advice and not an approval decision."]}