For SBA lenders
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.
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.
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.
7(a) Working Capital Pilot Program Guide
Types of 7(a) Loans
SOP 50 10 - Lender and Development Company Loan Programs
Last checked 2026-06-13. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-13 · SBA sources checked through 2026-06-13. DealRoom analysis of public SBA 7(a) lending records (FY2020–present). Grounded in the current SBA rulebook; verify against the official sources above before relying on it for a live deal. Not legal, tax, or financial advice, and not an approval decision.
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