{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/what-is-the-maximum-amount-of-working-capital-i-can-request-for-my-900-000-business-acquis","api_url":"https://dealroom.so/api/public/questions/what-is-the-maximum-amount-of-working-capital-i-can-request-for-my-900-000-business-acquis","question":"What is the maximum amount of working capital I can request for my $900,000 business acquisition loan?","topic":"Working Capital Maximum","audience":"borrower","bot_mode":"buyer","short_answer":"There is no specific maximum dollar amount for working capital within an SBA 7(a) acquisition loan, but it must be justified by the business's needs and historical financial performance.","rule":"The SBA allows for financing of working capital as part of an acquisition. The amount is determined by the lender based on the business's projected cash flow, operational needs, seasonal fluctuations, and the borrower's business plan, ensuring it's reasonable and necessary for successful operation post-acquisition.","example":"For a $900,000 acquisition, if the business has significant seasonal inventory needs or a long accounts receivable cycle, you might justify $100,000 to $200,000 in working capital. The lender will review the pro forma financials to determine an appropriate amount.","what_lenders_check":"Lenders critically evaluate the justification for working capital requests. They ensure the amount is prudent, directly supports the business's operational needs, and is not excessive or intended for ineligible uses.","required_facts":["Working capital amount","Business needs","Financial performance","Justification"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans"],"official_sources":[{"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"},{"title":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"}],"related_questions":[],"related_terms":[{"term":"Working capital","url":"https://dealroom.so/glossary/working-capital"},{"term":"Request for Reconsideration","url":"https://dealroom.so/glossary/request-for-reconsideration"},{"term":"Request for Additional Information","url":"https://dealroom.so/glossary/request-for-additional-information"},{"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"}],"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/sba-7a/questions/what-is-the-maximum-amount-of-working-capital-i-can-request-for-my-900-000-business-acquis","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."]}