SBA loan type · from the federal record
CAPLines: who lends it, and what to expect
CAPLines is the SBA’s line-of-credit program for businesses with cyclical or contract-based cash needs. In the last five years it was 0.3% of all SBA 7(a) loans, at a typical size of $850k. Below: the rules, who actually writes it, and how its loans have performed.
The rules, in plain English
Best for: lines of credit. Rules current to SOP 50 10 8 (effective June 1, 2025); amounts and guarantees can change.
Who actually lends CAPLines
most CAPLines loans, last 5 years| Lender | CAPLines loans | Share of its lending |
|---|---|---|
| 1st Financial Bank USA | 66 | 8.4% |
| The First Bank and Trust Company | 44 | 5.6% |
| KeyBank National Association | 40 | 5.1% |
| BancFirst | 26 | 3.3% |
| Banner Bank | 20 | 2.5% |
| Bank of Bridger National Association | 19 | 2.4% |
| Banco Popular de Puerto Rico | 18 | 2.3% |
| First Commonwealth Bank | 18 | 2.3% |
| Regions Bank | 17 | 2.2% |
| ChoiceOne Bank | 15 | 1.9% |
These are the lenders writing the most CAPLines loans in the federal record — the right doors to knock on for this product. Match your specific deal to lenders →
What borrowers use it for
Of recent CAPLines loans, 24 financed a business acquisition and 21 opened a startup. Its busiest states are TX, MN, IL.
How we know
so you can check itSource. SBA’s 7(a) FOIA release of 2026-06-30. The program is read from the loan-level processing method field. Size and share cover 789 funded loans over the last five fiscal years; the default rate covers 3,269 loans approved through 2018 and old enough to judge. The federal file records approved loans only, so it cannot tell you the odds of approval — only what got funded, and by whom.