Get the SBA CAPLine, Fund Your Season — The Baratelli Institute

What you'll show the lender

A CAPLine is judged differently from a term loan. Three things make the case — and they come straight out of your own cycle.

A revolving line isn't underwritten on a fixed payment; it's underwritten on whether the line funds a cycle and pays itself back. This package lays out the evidence.

The base supports the lineYour eligible receivables and inventory, at the lender's advance rates, size the line — and your peak draw fits under that base in the month you need it.

It cleans upThe line draws through the build and pays back down as cash comes in — a seasonal line resting at $0 for 30+ days, proving the need is a cycle, not permanent.

It self-liquidatesYour receivables and inventory turns show the line converts to cash quickly — the strongest CAPLine profile there is.

What's inside

A 16-tab workbook built to SOP 50 10 8, and a guide that assumes you know nothing about SBA loans.

CAPLine Type selector — Working Capital, Seasonal, Contract, or Builders — applying the right maturity and clean-up rule to the rest of the workbook.
Borrowing Base — advance rates on eligible receivables and inventory size the line as the lesser of your request and the base.
A 12-month seasonal revolving model — enter your monthly sales and inventory; it builds receivables and payables and draws and repays the line automatically, showing the peak draw, every month against the borrowing base, and the clean-up to $0.
Coverage & Clean-up — interest coverage, average utilization, and the seasonal $0 test in one place.
Contract CAPLine — for a specific job: the cost, the advance, and the profit cushion over the financed amount.
Historical Turns — receivables and inventory turns from three years, proving the line self-liquidates.
Collateral & liquidity, Form 413, Form 2202, a Deal Screener, and a one-page Credit Summary your lender can file as-is.
The guide — Get the SBA CAPLine, Fund Your Season: eleven plain-English chapters, a 2026 briefing, and a full glossary of every CAPLines term.

One number pays for it

This isn't priced against other spreadsheets. It's priced against what the season is worth.

A loan packager charges thousands to assemble this by hand. But the real comparison is the season itself: the inventory you can buy, the bigger orders you can fill, the discounts you can take when you pay suppliers early. A line that lets you run a full season instead of a cautious one returns the price of this package on a single cycle — and you keep the model for next year.

How it compares

There's cheap-and-generic, and there's expensive-and-human. This is the gap in between.

Option	Cost	What you get
Free templates (SBDC / SCORE)	$0	Generic projections; no borrowing base, no revolving model, no clean-up test.
Online projection templates	$10–$300	A projection, not a CAPLine package — no borrowing base, no seasonal draw-and-repay, no advance rates.
SBA loan packager / consultant	$2,000–$4,000	The real thing, by hand — expensive, per deal, and on their schedule.
This package	$349	The packager's deliverable, productized and CAPLines-specific: the borrowing base, the seasonal revolving model, the clean-up test, and a lender-ready summary. Self-serve and immediate.

Who it's for

Seasonal & cyclical businesses — the core: the package and the plain-English guide to build it.

SBA lenders & BDOs — hand it to borrowers; a clean borrowing base and modeled season are less work for you.

SBA loan brokers — a borrower who arrives with the line already modeled, in days.

Contractors — the Contract CAPLine module, ready to run on a specific job.

CPAs & advisors — a ready model for the client with a working-capital cycle.

Distributors & importers — the inventory-and-receivables line, sized to the base.

For loan brokers, BDOs & lenders

Your seasonal borrowers ask the same question every year. Hand them the answer — with your name on it.

The borrowing base and the seasonal model are what a CAPLine borrower can't build — so the file stalls. This guide and workbook turn an unprepared owner into a fundable one: the base, the month-by-month draw-and-repay, the clean-up, and the lender-ready Credit Summary. Everyone in the chain only gets paid if the deal closes — a borrower who quits at the package takes the payday with them.

Co-brand it free. Put your name, photo, and number on the tool and hand it to every borrower. Referral arrangements for paid packagers; brokerage and association licensing available.

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Get the complete package

Sold as one — the guide and the workbook together. The guide is not sold separately.

The Complete Package

$349

The guide plus the 16-tab workbook — the Borrowing Base, the 12-month seasonal revolving model, Coverage & Clean-up, the Contract CAPLine module, Historical Turns, collateral, Form 413, Form 2202, and the lender-ready Credit Summary. Single-user license, updates within the edition.

Buy the package →

Part of the Baratelli SBA suite — pairs with the 7(a) Acquisition, 7(a) Working Capital, and 504 CRE editions. Annual updates subscription (new SOP, fees, and rates): $99/yr. Lender, broker, and firm licensing available; contact the Institute.

Questions

Is this a guarantee I'll get the line?: No. It's a preparation tool: it sizes and models the line and tests it against the current CAPLines rules, but only your lender makes the credit decision. What it does is get you to their door with a complete, correct package in the language they speak.
How is a CAPLine different from a regular loan?: A term loan hands you a lump sum you repay in fixed installments. A CAPLine is a revolving line of credit, sized to a borrowing base, that you draw on and pay back as your season turns — with interest only on what you've drawn. It's built for short-term, cyclical, and seasonal needs, not permanent ones.
What's a borrowing base?: It's how a CAPLine is sized: the lender lends against a percentage of your eligible receivables (commonly up to ~85%) and inventory (commonly up to ~50%). The workbook builds it and checks your peak draw fits under it.
What's the seasonal “clean-up”?: A Seasonal CAPLine has to return to $0 for at least 30 consecutive days each year, proving the business isn't living on the line. The model shows whether yours does — and if it never reaches zero, your need is permanent and belongs in a term loan instead.
Are the rules current?: Yes — built to SOP 50 10 8 and the FY2026 fee schedule and rate caps. Advance rates are set by your lender, so those inputs are editable, and the update subscription keeps pace.

Backed by a 30-day money-back guarantee. Authored by Philip A. Baratelli, CPA, MBA — former public-company CFO, corporate controller and treasurer, and family-office CFO. The model and the guide he built so a seasonal business could fund its cycle without the paperwork stopping it.

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