The loans are from banks but the SBA guarantees the loans to the banks. CapLines finances small businesses short term, cyclical working capital needs. Under the Caplines guidelines, there are five distinct short term working capital loans: Seasonal line, Contract line, Builders line, standard asset-based lines, small asset based line. The loan generally guarantees up to $750,000.00 and in special circumstances up to 1 million. Eligibility is based on a case by case basis it is determined by 4 factors: Type of business, size, use of loan funds, special circumstances. The rate of the loan is negotiable with lender and can be up to 2.25% over prime rate. Each five lines of credit’s Maturity is up to 5 years, and because each is tailored to an individuals businesses needs, a shorter initial maturity may be established. Contact SBA (office below) to be directed to compatible lender. There are numerous other guidelines, interested parties can either check online at {www.sba.gov/financing/frcaplines.html} or speak with contact person listed below, or both. Contact SBA (office below) to be directed to compatible lender. There are numerous other guidelines, interested parties can either check online at {www.sba.gov/financing/frcaplines.html} or speak with contact person listed below, or both. U.S. Small Business Administration, Baltimore District, Office SBA, Frances Hensen, Chief, Finance Division, City Crescent Building, 6th Floor, 10 S. Howard Street, Baltimore, MD 21201; 410-962-4392; Fax: 410-962-1805; {Frances.Henson@sba.gov}; {www.sba.gov/financing/frcaplines.html}.