Glossary · The loan itself
7(a) Working Capital Pilot Program(WCP)
In short
An SBA pilot program providing working capital with streamlined processes, often for inventory or accounts receivable. It supports operational needs post-acquisition.
What it means in a deal
If your acquisition requires significant post-closing working capital beyond what standard 7(a) loans typically provide, the WCP might be relevant. It's designed to support ongoing operational needs, inventory, or accounts receivable. Discuss with your lender if this program fits your deal's specific working capital requirements, as it has its own set of rules and limitations.
Official sources
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about 7(a) Working Capital Pilot Program
- Are there specific limits on the amount of working capital that can be included in a 7(a) Working Capital Pilot Program loan?
- Can an SBA 7(a) loan finance working capital?
- What does 'working capital' mean for an SBA 7(a) loan?
- What kind of everyday expenses can working capital cover?
- What is working capital, and can a 7(a) loan cover it?
- Can an SBA 7(a) loan be used for business working capital?
Defined by CapBench SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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