SBA CAP Line Calculator

The line you asked for, and the line your assets support

CAPLines are the revolving side of the 7(a) program, capped at five million dollars. A Working Capital CAPLine is asset-based, so the number that matters is not what you request but what your eligible receivables and inventory will carry. This works out both and shows you the smaller one, then what it costs to hold.

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Eligible is the word doing the work — Invoices past ninety days, related-party balances and concentration above the lender's limit come out of the base before any advance rate is applied.

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The rate ceiling is tiered by size, not by term — Base plus 6.50 at fifty thousand and under, plus 6.00 to two hundred and fifty, plus 4.50 to three hundred and fifty, plus 3.00 above that. Maturity stopped affecting the ceiling in 2022.

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Advance rates are the lender's, not the SBA's — Eighty percent on receivables and fifty on inventory is ordinary practice rather than a rule, which is why both are inputs here.

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A seasonal line has to reach zero — The balance must sit at zero for at least thirty consecutive days each year, which is how the SBA tests that the business is not living on the line.

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Working Capital CAPLine

A revolving line against eligible receivables and inventory, for a business whose cash is tied up in the operating cycle rather than in a single job.

Priced at 9.50%, a 6.75% base plus 2.75%. Base rates quoted here are as of August 2026 and move with the FOMC.

$750K

Line available, limited by what you asked for

9.50%

Rate, ceiling 9.75%

$3,563

Interest a month at 60% drawn

Borrowing baseEligibleAdvance

Accounts receivable$900,000 less $120,000 ineligible$780,000$624,000

Inventory$600,000 less $90,000 ineligible$510,000$255,000

Borrowing base$1,290,000$879,000

Line sizingAmount

Requested$750,000

Supported by the borrowing base$879,000

Program ceiling$5,000,000

Line available$750,000

First year, at 60% average utilisationAmount

Average balance drawn$450,000

Interest at 9.50%$42,750

SBA guaranty fee, 0.00% of $562,500$0

Packaging and closing$2,500

First-year costInterest and fees. A revolving line repays no principal on a schedule.$45,250

As a rate on what you actually drew10.06%

Against the ask$750K

Against the ceiling$5.00M

Rate against cap9.50%

What this does not model

Field examinations, monthly borrowing base certificates, lockbox arrangements and the covenants a lender will attach are all real costs of an asset-based line and none of them are here. Neither is the annual service fee, which varies by fiscal year. The advance rates and the guaranty fee are inputs because they are set by your lender and by the fiscal year, not by a formula.

The line you asked for, and the line your assets support