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SBA Capline Loans

  • Boom Lift Equipment
  • SBA WC Therapy Co
  • Excavator Purchase
  • SBA WC Retail Store
  • SBA Start-Up Handyman
  • SBA Express Software
  • Construction Equipment 3-Day
  • SBA Express Wellness
SBA Express Handyman

SBA Capline Loans

SBA CAPLines is an umbrella program that offers small businesses a line of credit to meet short-term and cyclical working capital needs. CAPLines finances up to $5 million and offers repayments terms of up to 10 years. Because it’s a line of credit, you can use them on an as-needed basis.

SBA CAPLines Terms

  • Loan amount: Up to $5 million
  • Interest rates: 2.25% to 4.75% plus a base rate (Prime, LIBOR or the SBA Peg Rate)
  • Repayment terms: Up to 10 years 

SBA CAPLines Qualification Requirements 

CAPLines applications must meet the same requirements as the SBA 7(a) Loan requirements, including:

  • Operating for profit in the U.S. or its territories.
  • Having reasonable owner equity to invest.
  • Using alternative financial resources, including personal assets, before seeking financial assistance.

Each CAPLine program has additional specific requirements.  Be sure to carefully review the application checklist to ensure that your application is correct and complete.

Click for Application Checklist

About Permanent Bank Loans ​

When most people think about commercial loans, what comes to mind is permanent bank loans. These are 25-year fully-amortized loans, in the minds of most people. They think of these loans, because these are similar to the loans most people have on their residences.

However, permanent bank loans are quite rare. Most permanent loans are going to be on owner-occupied properties. Investors will typically opt for interest-only loans of several years, so as to increase annual cash flow. They don’t want to tie-up money inside a hard asset, so they are quite happy to let the balance ride.

Even with permanent loans, the vast majority of these will be agency loans, with permanent bank loans reserved for the best, most financially-solid borrowers.

Contact us to see which financing option is best for your circumstances.

Bank
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About Construction Loans

Most construction projects run in the $5 million to $20 million range, with larger construction projects from $20 million to $100 million or more.

Once we get to larger deals, we look to Syndication options that involve multiple banks, mezzanine loans, and private equity, as needed.

Construction loans run similar in process to bridge loans, but on a larger scale. In addition to the standard paperwork for investment loans, we also will need plans/specifications, budget, contractor’s resume or history, and project drawings.

If the deal will be financed as an agency or bank loan, we will also need personal and business tax returns (if applicable).

Note our document checklist for construction loans.
Construction
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