# Which SBA loans can be revolving lines of credit?

**Short answer:** Only SBA Express, CAPLines, Manufacturers' Access to Revolving Credit (MARC), Export Express and the Export Working Capital Program. The 7(a) Working Capital Pilot also revolves and runs August 1, 2024 through July 31, 2027. Other 7(a) loans cannot (SOP 50 10 8.1, Sec. A, Ch. 3, Para. B.4; 89 FR 57353).

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Last checked: 2026-11-08

Five programs and one pilot can revolve. SOP 50 10 8.1 bars revolving lines of credit except under SBA Express, CAPLines, EWCP, MARC and Export Express (Sec. A, Ch. 3, Para. B.4). The regulation is 13 CFR 120.130(c).

## The programs

- **SBA Express.** Up to $500,000. A line can run 10 years, including any term-out period, with no advances after the first 60 months (App. 17, Para. B.3).
- **CAPLines.** Up to $5,000,000. Working Capital, Contract and Seasonal lines can run 10 years (App. 17, Para. B.5).
- **MARC.** Up to $5,000,000 for manufacturers and $2,000,000 for other eligible industries. The maximum maturity is 20 years (App. 17, Para. B.4).
- **Export Express.** Up to $500,000. An Export Express line of credit can run 7 years (App. 17, Para. B.6).
- **EWCP.** Up to $5,000,000, with a maximum maturity of 36 months (App. 17, Para. B.7).
- **7(a) Working Capital Pilot.** Up to $5,000,000. SBA waived the revolving restriction for this pilot, which runs August 1, 2024 through July 31, 2027 (89 FR 57353).

## What cannot revolve

7(a) Small loans are term loans by definition (Sec. B, Ch. 2). A Standard 7(a) loan is not on the exception list. A 504 loan finances long-term fixed assets.

## Structure matters

An SBA Express revolving loan of more than 12 months needs a term-out period at least as long as the draw period.

## Sources

- [SOP 50 10 8.1, Sec. A, Ch. 3, Para. B, Restrictions on Uses of Proceeds, Para. B.4 (p. 53)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR § 120.130](https://www.ecfr.gov/current/title-13/section-120.130)
- [SOP 50 10 8.1, App. 17, Para. B, Program-Specific Requirements (p. 391)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. B, Ch. 2, 7(a) Small and SBA Express (p. 125)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [89 FR 57353 (July 15, 2024), 7(a) Working Capital Pilot](https://www.govinfo.gov/content/pkg/FR-2024-07-15/pdf/2024-15313.pdf)