SBA CAPLines Program

​The CAPLines program offered through Bankers Trust helps finance short-term and revolving capital needs of up to $5 million.


CAPLines is an umbrella program that helps small businesses meet their short-term and cyclical working-capital needs. Bankers Trust is approved to offer three different lines under the CAPLines program: the Contract Loan Program, the Seasonal Line of Credit Program, and the Working Capital Line of Credit Program.

Contract Loan Program

This program finances the costs associated with contracts, subcontracts or purchase orders. Proceeds can be disbursed before the work begins. The loan maturity is usually based on the length of the contract, but can be no longer than 10 years. Contract payments are generally sent directly to Bankers Trust to repay the related loan balance. Once repaid, any remaining amount is forwarded to you.

Seasonal Line of Credit Program

This program supports seasonal increases in inventory, accounts receivable, or labor and materials above normal usage. To qualify for a Seasonal line, your business must have been in operation for 12 months or longer and demonstrate a definite seasonal pattern. You may not have another seasonal line of credit outstanding, but may have other lines open for non-seasonal working capital needs.

Working Capital Line of Credit Program

This program is a revolving line of credit that provides short-term working capital to finance accounts receivable and inventory. A Working Capital line can be obtained for up to $5 million.

Bankers Trust can help you determine whether a CAPLine is appropriate for your business, and which one would be the best fit for your needs.


​The Bankers Trust Education Center contains resources to help you start, grow and manage your business with a strong financial foundation.

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SBA CAPLines | Bankers Trust