The 7(a) Loan Program features a number of special purpose loans that address particular business needs.

CAIP (Community Adjustment and Investment Program)
This program helps the private sector to create new jobs and to preserve existing jobs that are at risk of being lost in communities that have suffered job losses directly or indirectly attributable to the North American Free Trade Agreement (NAFTA).


CAPLines
CAPLines is an umbrella program that helps small businesses meet their short-term and cyclical working-capital needs. It features five lines: Seasonal, Contract, Builders, Standard Asset-Based, and Small Asset-Based.

For more information, go to CAPLines.

Employee Trusts
This program is designed to provide financial assistance to Employee Stock Ownership Plans. The employee trust must be part of a plan sponsored by the employer company and qualified under regulations set by either the Internal Revenue Service Code (as an Employee Stock Ownership Plan, or ESOP) or the Department of Labor (the Employee Retirement Income Security Act, or ERISA). Applicants covered by the ERISA regulations must also secure an exemption from the Department of Labor regulations prohibiting certain loan transactions.


Pollution Control
This program provides financing to eligible small businesses for the planning, design, or installation of a pollution control facility. This facility must prevent, reduce, abate, or control any form of pollution, including recycling.  This program follows the guidelines for the 7(a) Loan Program with the following exception: use of proceeds must be for fixed assets only.

For more information, contact your local SBA District Office.