SBA CAPLines are cheaper but need strong credit, paperwork and weeks; private lines decide faster with lighter documentation.
Check my optionsFinancing options
The SBA backs several revolving credit options, most notably CAPLines and lines issued under the SBA Express program. They offer favorable terms but require bank-style underwriting. Private lines from online lenders are faster and more flexible but typically cost more.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
You can apply at 500; stronger credit opens more products.
Existing balances of $100,000 or less can be bought out.
A person reviews your revenue, time in business and bank activity, often within hours.
Your file goes to funders that fit it, so offers can be compared.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
SBA CAPLines are a family of 7(a) lines designed for short-term and cyclical working capital needs, such as seasonal inventory, contract performance or working capital. SBA Express loans can be structured as revolving lines with faster processing for smaller amounts. Both are made by participating lenders with a partial SBA guarantee, which supports lower rates and longer maturities than many private options.
Qualification follows SBA and lender standards: meeting SBA size standards, demonstrating repayment ability from cash flow, acceptable personal credit and character, owner equity and, depending on the amount, collateral. Expect to provide tax returns, financial statements, a debt schedule and other forms. Processing can take weeks.
Private lines from online lenders often approve within days, rely on bank data and accounting connections and accept somewhat lower credit scores and shorter histories. Draws can be fast and simple. In exchange, costs are typically higher, terms shorter and some lines have fees on draws or on unused balances.
Choosing between them depends on timing and profile. If you qualify and can wait, an SBA-backed line is usually the lower-cost revolving option. If you need flexibility sooner, a private line or revenue-based funding can bridge, and you can apply for an SBA line in parallel once your financials support it.
MFE offers lines of credit and revenue-based options from multiple funders, with credit considered from 500 for revenue-based products.
Renewal terms deserve attention for any line. Many lines are reviewed annually; at renewal, the lender may adjust the limit, rate or fees based on updated financials. Keeping statements clean and financials current throughout the year makes renewals smoother.
Here is a revenue-based bridge while an SBA line is pending. Illustrative numbers.
| Amount funded | $150,000 |
| Factor rate | 1.28 |
| Total payback (amount × factor) | $192,000 |
| Fees deducted at funding (3%) | $4,500 |
| Net cash you receive | $145,500 |
| Weekly payment over 26 weeks | $7,385 |
| Same total as daily debits (~130 business days) | $1,477/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Cost | Lower vs. higher |
| Speed | Weeks vs. days |
| Documentation | Full financials vs. bank data |
| Credit and history | Stronger vs. more flexible |
| Programs | CAPLines, SBA Express vs. online lenders |
Good fit:
Probably not yet:
Yes, through CAPLines and SBA Express structures via participating lenders.
7(a) lines for short-term and cyclical working capital needs.
Often weeks, depending on the lender and program.
Typically yes, in exchange for speed and flexibility.
Yes, with a private line or revenue-based funding sized to fit.
Some charge draw fees or fees on unused balances; ask.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding