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EWCP Evaluation Criteria

Export Working Capital Program (EWCP)

SBA's Export Working Capital Program (EWCP) loans are targeted for businesses that are able to generate export sales and need additional working capital to support these sales. Participating lenders review and approve applications and submit the request to the SBA staff at the U.S. Export Assistance Center location servicing the exporter's geographical territory.

About the Program
Maximum Loan Amount: $5 million.
Maximum SBA Guaranty %: 90%, provided that the total SBA guaranteed portion to the borrower does not exceed $4.5 million.
Interest Rate: Interest rate can be fixed or variable, and is negotiated between borrower and lender.
Eligibility Decision: By SBA.
Revolving Lines of Credit: Terms of 12 months or less.
SBA Turnaround Time: 5-10 business days.
Forms: SBA EIB Form 84-1 plus attachments
Collateral: Export-related inventory and receivable generated by export sales financed with EWCP funds; SBA also requires personal guarantee of owners with 20% or more ownership.
Credit Decision: SBA reviews the loan for both credit and eligibility determination.


For More Information

SBA Senior International Credit Officers can provide in-house training to help lenders become proficient in the EWCP program. For more information on this training or for application assistance, contact your local U.S. Export Assistance Center.