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Find similar grantsSBA Working Capital Pilot Program is sponsored by U.S. Small Business Administration (SBA). This opportunity supports mission-aligned projects and measurable outcomes.
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7(a) Working Capital Pilot program | U.S. Small Business Administration 7(a) Working Capital Pilot program The 7(a) Working Capital Pilot (WCP) program was designed to serve as SBA’s premier working capital program, engineered to meet the needs of modern small businesses. Lines of credit are the most flexible and affordable way for businesses to manage their working capital needs.
With a line of credit, interest is only charged when the loan is in use, making it the most efficient way to access working capital. SBA's 7(a) WCP is a pilot loan program offering monitored lines of credit within the 7(a) loan program. The 7(a) WCP can support a range of financing needs for growing small businesses and brings together the best features of the existing permanent 7(a) line of credit delivery methods.
In addition, the 7(a) WCP introduces a series of innovative features: The 7(a) WCP has a fee structure modeled after SBA’s 7(a) Export Working Capital Program (EWCP) Using an annual short-term guaranty fee, the 7(a) WCP fee structure charges a proportional amount for each year the facility is in use Establishing an annual guaranty fee structure allows borrowers to customize the line to their exact needs, paying only for the time that they require Support for transaction-based lending The 7(a) WCP can support project financing, allowing a borrower to access the working capital at an earlier point than they would under a traditional line of credit Through this unique financing method, the 7(a) WCP can enable a borrower to access funding earlier in their sales cycle With the support of a Transaction Based 7(a) WCP, small businesses can take on transformational opportunities with the confidence they can cover all related costs Support for asset-based lending The 7(a) WCP is positioned to help small businesses access the working capital they need to support and grow their business Using a 7(a) WCP, small businesses can efficiently borrow against their accounts receivable and inventory The 7(a) WCP will also help transition borrowers from SBA Express loans into a larger working capital facility to support their growth A new take on export finance The 7(a) WCP can provide working capital against domestic and international orders under a single loan facility New-to-export firms will be able to use the 7(a) WCP to open international markets without having to obtain a separate line of credit SBA offers one-on-one counseling with SBA’s Finance Managers, subject-matter experts who will guide lenders and businesses through their working capital transactions 85% for loans up to $150,000 75% for loans greater than $150,000 Preferred Lender Program (PLP) - WCP Delegated Authority $50,000 or less: cannot exceed base rate + 6.
5% $50,001 - $250,000: cannot exceed base rate + 6. 0% $250,001 - $350,000: cannot exceed base rate + 4. 5% $350,001 and greater: cannot exceed base rate + 3.
0% How to participate in the 7(a) WCP Lenders currently approved to process 7(a) loans can begin processing 7(a) WCP loans on August 1, 2024. Lenders with delegated EWCP authority will be immediately provided with delegated authority to make 7(a) WCP loans. Lenders who do not maintain delegated EWCP authority may apply for delegated 7(a) WCP status with the requirements outlined in the Program Guide.
SBA encourages lenders to request support from their local Finance Managers for individual transactions (including domestic transactions) as needed.
In addition to the core requirements identified in SOP 50 10 , Section A, the following 7(a) WCP-specific eligibility requirements apply: Limited to businesses that Have a history of 12 full months of operations prior to filing an application If supporting an acquisition – the acquiring borrower must have a history of 12 full months of operations prior to filing an application Can produce timely and accurate financial statements, accounts receivable and accounts payable agings, and inventory reports The lender must obtain updated financial statements on the borrower annually and perform a full credit analysis as part of any renewal As a lender offering the WCP program, it is important that the institution have the operational controls necessary to administer the monitoring requirements, which mirror industry standards for asset-based facilities SBA lenders finance small businesses Lenders that work with SBA provide financial assistance to small businesses through government-backed loans.
According to the current listing, eligibility includes: Small businesses in Oklahoma. Confirm the full requirements in the official notice before applying.
SBA Working Capital Pilot Program is funded by U.S. Small Business Administration (SBA). Verify program details on the funder's official page before applying.
This opportunity targets applicants in Oklahoma. If your organization operates elsewhere, check the official notice for location requirements.
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June 2026 Tech Talk: Friend or Fraud - How to Put AI to Work Without Getting Burned is sponsored by U.S. Small Business Administration (SBA). SBA's Tech Talk session covers the risks and benefits of AI adoption for small businesses, providing guidance on leveraging AI without falling victim to fraud.
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The Small Business Administration's Manufacturing in America Empower to Grow initiative funds up to ten technical-assistance organizations with $5M each to deliver hands-on training to small manufacturers in aerospace, shipbuilding, advanced manufacturing, and seven other priority sectors. Applications close June 15, 2026 — and the three-year continuous-operation requirement is the rule that ends most LOIs before they start.
Read articleThe SBA's E2G grant funds up to 10 organizations at an average of $5M each to deliver training and technical assistance to small manufacturers in 13 critical industries. The three-year continuous operating requirement is the eligibility cliff that will eliminate most newer trade groups and university centers.
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