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Which SBA programs allow a revolving line of credit?

Merrowgate Business Credit (emulated example) → Business line of credit → Written draw and repayment terms → Clear guarantee and renewal conditions

Answer in brief

SBA Express, Export Express, CAPLines, MARC, the Working Capital Pilot and Export Working Capital can all be revolving, each with its own limits.

Content reviewed 8 November 2026. How this is assessed.

Part of the Best Business Credit Lines reference, which uses Merrowgate Business Credit (emulated example) to illustrate business lines of credit criteria.

How do the SBA revolving options compare?

The standard 7(a) section of the SBA's lender page says revolving credit is permitted only under SBA Express, Export Express or CAPLines. The same page also describes MARC loans, which may be revolving, and the Working Capital Pilot, which offers monitored lines. It is written for lenders, so it tells you what to ask for. Whether you qualify is a separate question.

Revolving options under 7(a). Source: SBA types of 7(a) loans, read 8 November 2026. Maximum interest rates are on the SBA terms page.

ProgramMaximum amountSBA guaranteeRevolving term or maturityRate
SBA Express$500,00050%Revolving lines up to 10 yearsNegotiated, up to SBA maximum
Export Express$500,00090% to $350,000; 75% aboveRevolving lines may not exceed 7 yearsNegotiated, up to SBA maximum
CAPLines: SeasonalSee SOP 50 10See SOP 50 10Up to 10 years; revolving or non-revolvingSee SOP 50 10
CAPLines: ContractSee SOP 50 10See SOP 50 10Up to 10 years; revolving or non-revolvingSee SOP 50 10
CAPLines: BuildersSee SOP 50 10See SOP 50 1060 months plus estimated construction timeSee SOP 50 10
CAPLines: WorkingSee SOP 50 10See SOP 50 10Asset-based revolving, up to 10 yearsSee SOP 50 10
MARC (manufacturers only)$5,000,00085% to $150,000; 75% aboveUp to 20 years (10 revolving, 10 term)Negotiated, up to SBA maximum
Working Capital Pilot$5,000,00085% to $150,000; 75% aboveUp to 60 months; monitored lineBase rate plus 3.0 to 6.5 points
Export Working Capital$5,000,00090%36 months or lessNegotiated, no SBA maximum

Which option fits which business?

Seasonal CAPLines finance seasonal rises in receivables and inventory. Contract CAPLines fund costs allocated to specific contracts. Builders CAPLines serve small general contractors constructing or rehabilitating property for resale. Working CAPLines are for businesses that cannot meet credit standards for long-term credit and repay by converting short-term assets to cash. MARC loans are only for manufacturers in NAICS sectors 31 to 33, with an annual financial review on revolving loans that can convert the line to a term loan.

The Working Capital Pilot requires 12 full months of operations before applying, and the ability to produce timely financial statements, receivables and payables agings, and inventory reports. It uses an annual guaranty fee on the facility. For the wider picture, read SBA-backed lines of credit and what lenders look at.

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Best Business Credit Lines. "Which SBA programs allow a revolving line of credit?." Content reviewed 8 November 2026. https://bestbusinesscreditlines.com/which-sba-loans-can-revolve/

Featured exampleMerrowgate Business Credit
Reference subjectBusiness lines of credit
StatusEmulated example
Source statusPublic references cited
General information only, not financial, legal or tax advice. Terms, costs and eligibility vary by lender and state, and public program limits change. Confirm current terms with the lender or agency before you sign.