Seasonal CAPLine: finances the seasonal increases of accounts receivable and inventory — or in some cases associated increased labor costs. The loan may be revolving or non-revolving.

Contract CAPLine: finances the costs of one or more specific contracts, including overhead or general and administrative expenses, allocable to the specific contract(s). The loan may be revolving or non-revolving.

Builders CAPLine: provides financing to small general contractors to construct or rehabilitate residential or commercial property for resale. This program provides an exception under specified conditions to the general rule against financing investment property. “Construct” and “rehabilitate” mean only work done on-site to the structure, utility connections, and landscaping.

Working CAPline: provides an asset-based revolving line of credit for businesses unable to meet credit standards associated with long-term credit. It provides financing for cyclical growth, recurring and/or short-term needs. Repayment comes from converting short-term assets into cash, which is remitted to the lender. Businesses continually draw from this line of credit, based on existing assets, and repay as their cash cycle dictates. This line generally is used by businesses that provide credit to other businesses. Because these loans require continual servicing and monitoring of collateral, additional fees may be charged by the lender.