SBA loan type · from the federal record
Export Working Capital (EWCP): who lends it, and what to expect
Export Working Capital (EWCP) is working capital against export orders — large loans, short terms, and a very low loss rate. In the last five years it was 0.1% of all SBA 7(a) loans, at a typical size of $1.32M. Below: the rules, who actually writes it, and how its loans have performed.
The rules, in plain English
Best for: financing export orders. Rules current to SOP 50 10 8 (effective June 1, 2025); amounts and guarantees can change.
Who actually lends Export Working Capital (EWCP)
most Export Working Capital (EWCP) loans, last 5 years| Lender | Export Working Capital (EWCP) loans | Share of its lending |
|---|---|---|
| GBC International Bank | 38 | 12.3% |
| Regions Bank | 36 | 11.6% |
| TD Bank, National Association | 23 | 7.4% |
| OakStar Bank | 13 | 4.2% |
| First American Bank | 11 | 3.5% |
| Amerant Bank, National Association | 9 | 2.9% |
| Banesco USA | 8 | 2.6% |
| Citibank, N.A. | 7 | 2.3% |
| Byline Bank | 6 | 1.9% |
| Bank of Hope | 5 | 1.6% |
These are the lenders writing the most Export Working Capital (EWCP) 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 Export Working Capital (EWCP) loans, 2 financed a business acquisition and 1 opened a startup. Its busiest states are FL, CA, TX.
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 310 funded loans over the last five fiscal years; the default rate covers 1,286 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.
The other SBA loan types
Standard 7(a) → SBA Express → CAPLines → Community Advantage → International Trade → Export Express →