SBA working capital loans for established businesses ready to expand, hire, buy equipment, or refinance existing debt. Up to $5M with long 10-year terms.
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SBA Rate Pulse
What the working capital lending market looks like right now.
Page data as of: June 11, 2026 at 09:07:58 PM CDT
Working capital rates float with Prime. SBA caps the spread lenders can charge.
Loans over $50K and terms over 7 years: Prime + up to 2.75%.
Your annual profit must cover 1.25x your total annual debt service including the new loan.
SBA 7(a) program cap. Most working capital deals fall in the $500K–$2.5M range.
Bridgit's average by running a competitive lender process.
Working capital deals often close faster than acquisitions — no business appraisal required.
Lenders want a clear revenue projection tied to the expansion plan. A one-page narrative with financial support is enough — we help you build it.
Equipment loans are among the most straightforward SBA deals. Appraisal required for assets over $500K. 10-year terms keep monthly payments low.
Refinancing high-interest debt into SBA is one of the highest-ROI moves a profitable business can make. Lenders require proof of business purpose on the original debt.
Working capital for hiring is fully eligible under SBA 7(a). Lenders look at historical revenue growth and a clear rationale for the headcount increase.
Working Capital Sizing
Enter your business financials. We'll show you the maximum loan amount your DSCR supports at current SBA rates.
Based on Prime Rate of 7.5% as of calculation date. Actual rates and amounts vary by lender and deal structure.
Enter your numbers to see your estimated loan eligibility.
What It's Used For
Working capital loans are the most flexible SBA product. Here's what established businesses typically use them for.
Opening a new location, entering a new market, or scaling operations — working capital covers the capital outlay before revenue catches up.
Growing your team is one of the best investments you can make. SBA working capital lets you hire ahead of demand without straining cash flow.
Finance machinery, vehicles, or technology upgrades with long 10-year terms — keeping monthly payments low while you put the equipment to work.
Consolidate high-interest debt into a single SBA loan at a lower rate. Many businesses save six figures a year in interest after refinancing.
For seasonal businesses or those with large purchase orders, working capital covers inventory before the cash comes in.
Waiting on a contract, receivable, or property sale? Working capital bridges the gap while you wait for cash to arrive.
The Process
We handle the packaging, lender outreach, and negotiation. You just show up at closing.
Fill out a quick form. We review your situation and assess your options — no credit pull required.
We package your file and submit to our network simultaneously, collecting competing term sheets.
We walk you through every term sheet. You choose the rate and terms that work best for your business.
We coordinate underwriting and closing from start to finish. Most working capital loans fund in 30 to 60 days.
Qualifications
Traditional 7(a) working capital loans are designed for established, profitable businesses. Here's what lenders look for.
Get Started
Free assessment. No credit check. Response within 2 hours.