The CAPLines program is designed to help small businesses meet their short-term and cyclical working capital needs. The program can be used to finance seasonal working capital needs; finance the direct costs of performing certain construction, service and supply contracts; finance the direct cost associated with commercial and residential construction; finance operating capital by obtaining advances against existing inventory and accounts receivable; and consolidate short-term debt. SBA provides up to an 85 percent guarantee. There are five distinct loan programs under the CAPLine umbrella: Contract Loan, Seasonal Line of Credit, Builder's Line of Credit, Small Asset-Based Line of Credit, and Standard Asset-Based Line of Credit.