How do I apply for an SBA Export Working Capital loan?
Short answer
You apply through a lender. A lender with PLP-EWCP authority can decide itself. Otherwise an Export Finance Manager reviews the file and SBA's processing center decides (SOP 50 10 8.1, Appendix 20, Para. B.7).
You apply through a participating lender, not through SBA directly (SOP 50 10 8.1, Sec. B, Ch. 5, Para. B.5.b; Appendix 20, Para. B.7).
Two routes
- Delegated: a lender with PLP-EWCP authority submits the request in the SBA Loan System and keeps the file. SBA does not review its credit analysis before issuing a loan number.
- Non-delegated: the lender submits to SBA and notifies the Export Finance Manager at a U.S. Export Assistance Center. That officer reviews the file and sends a recommendation to SBA's processing center, which decides.
What to gather
- A copy of the letter of credit or the buyer's order or contract, if you have one.
- Export credit insurance material and export licenses, if they apply.
- Receivable and payable agings and inventory reports dated within 180 days of application.
- A cash flow projection for the lesser of 12 months or the loan term, showing the export transactions.
- For indirect exports, a letter, invoice, order or contract from your customer.
If a non-delegated request is declined
The lender may request reconsideration within 6 months of the decline (Appendix 20, Para. B.7).
Where to get help
SBA says lenders can get help from the U.S. Export Assistance Center serving the exporter's region (sba.gov/sba-lenders, read November 8, 2026). Ask a lender whether it holds PLP-EWCP authority.
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