SBA Working Capital Pilot — Transaction-Based Line

What is it?

DirectLenderMatch classifies SBA Working Capital Pilot — Transaction-Based Line under the financing form “Government-guaranteed line.” Its typical use in this directory is: Finance transaction-specific working capital.

How does it work?

The structure is generally evaluated, supported, or secured using the following basis: Specific project/order/transaction. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.

What can it be used for?

Finance transaction-specific working capital.

What backs or supports it?

Specific project/order/transaction.

Why does this structure exist?

This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.

Important considerations

Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.

Is this actually a loan?

Loan or credit structure

Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.

Verified lenders or providers

Direct SBA Preferred Lender

First American Bank

First American Bank currently states that it provides SBA WCP financing in both transaction-based and asset-based structures.

Official evidence page →

Last verified: 2026-08-23