Working Capital Pilot (WCP)

The Working Capital Pilot (WCP) program is a Small Business Administration guaranteed, asset based revolving line of credit designed to support short-term and ongoing working capital needs.
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WCP program at a glance

Borrow up to $5 million with loan terms up to 60 months

Revolving monitored asset-based line of credit

Open to all SBA-eligible NAICS codes

Can be used for domestic and international financing needs

Access working capital by leveraging eligible accounts receivable and inventory as collateral

Are you eligible for SBA’s Working Capital Pilot program?

The Working Capital Pilot program is open to businesses within all SBA-eligible NAICS codes. As a preferred SBA lender, Regions can help you navigate the SBA loan process to find the best financing solution for business needs.
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Working Capital Pilot loan details

  • With a WCP loan, borrowers can customize the line to their exact needs, paying only for the time that they require.
  • It supports a wide range of domestic and international financing needs for growing businesses.
  • The program provides additional flexibility within an SBA 7(a)-guaranteed line of credit structure.
  • WCP is well-suited for inventory heavy businesses, higher leveraged borrowers, and companies requiring flexible revolving working capital financing.
  • The program follows 7(a) fee schedules.
  • Variable and fixed-rate options are available.
  • Speak to an SBA banker about fees associated with SBA loans.
Revolving monitored line of credit up to $5 million.
  • The WCP program offers up to 60 months maturity.
  • Repayment and line availability for asset-based lines require a monthly or quarterly borrowing base and are determined by the loan amount.
Contact an SBA banker

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