SBA Working CAPLine | DirectLenderMatch

What is it?

DirectLenderMatch classifies SBA Working CAPLine under the financing form “Government-guaranteed ABL line.” Its typical use in this directory is: Asset-based working capital.

How does it work?

The structure is generally evaluated, supported, or secured using the following basis: Receivables/inventory borrowing base. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.

What can it be used for?

Asset-based working capital.

What backs or supports it?

Receivables/inventory borrowing base.

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

Byline Bank

Byline currently offers SBA CAPLines backed by eligible accounts receivable and inventory.

Official evidence page →

Last verified: 2026-08-23

SBA participating bank lender

Fulton Bank

Fulton Bank explicitly offers this SBA CAPLine structure.

Official evidence page →

Last verified: 2026-08-24

SBA participating bank lender

First Southwest Bank

First Southwest Bank explicitly offers this SBA CAPLine structure.

Official evidence page →

Last verified: 2026-08-24