Business Lines Of Credit

Need funding on standby? A business line of credit gives you flexible access to capital when you need it most — without locking you into a large lump-sum loan. Draw what you need, when you need it, and only pay interest on what you use.

Whether it’s for payroll, inventory, marketing, or seasonal expenses, your line is always there ready to help your business move forward.

Key Details

Max Credit Line

$5K – $3M

Payback Terms

6 Months – 3 Years

Funding Time

As little as 1 day

Repayment

Weekly or Monthly

Type

Revolving Line — reuse funds without reapplying

Credit Pull

Soft

How It Works

A business line of credit functions with better flexibility and often better rates. Once approved, you can draw funds at any time up to your credit limit. As you repay what you’ve used, your available balance resets, no need to apply again.

The best part? Most of our lines are simple interest, meaning paying back early saves you a lot of money, and every payment helps build your business credit profile.

Simple Interest

Revolving Line of Credit

Unsecured (Not tied to any asset and no collateral required, based purely on the reliability of the business itself)

Why Businesses Use Lines of Credit

Highly Cost Effective

You’re not charged interest on unused funds, so you stay in control of costs.

Revolving Access

Use it. Repay it. Use it again. Simple.

Funds available on demand

Need funds fast? Your line of credit is available when you need it.

Is a Line of Credit Right for You?

Lines of credit are ideal for:

Businesses with seasonal revenue swings

Companies that want to avoid paying interest on full loan amounts

Owners looking for flexible funding without reapplying

Startups and newer businesses (qualify for shorter terms)

More established businesses (may access longer terms and higher limits)

FAQs

What exactly is a business line of credit, and how does it work?

Think of it like a flexible safety net: once approved, you can withdraw funds up to your limit anytime you need—and only pay interest on the money you use. And as you repay, that credit becomes available again.

Is it better to get a line of credit or a standard business loan?

If you’re unsure of how much funding you’ll need or on what timeline, a line of credit is the way to go—it gives you access on demand. Traditional loans are better for fixed, one-off investments, but lines offer flexibility, lower rates, and are ideal for dynamic needs like inventory or payroll.

What are the pros and cons?

Pros: Instant, ongoing access to funds; lower interest than cards; can be secured for better rates.
Cons: Approval may be tougher; interest is often variable; unused credit may carry fees.

Do I need collateral, or is an unsecured line possible?

Both exist. Secured lines require promising something like commercial receivables, equipment or inventory—but usually come with better terms. Unsecured lines are easier to access but may carry higher interest.

What do lenders look for when approving a line of credit?

Lenders typically evaluate several key factors before approving a business line of credit. They want to see consistently high daily balances in your business checking account, a low-risk industry type, healthy and steady cash flow, a strong character or credit history, and sufficient time in business to demonstrate stability.

What documents and requirements should I prepare?

You’ll need at minimum the last 3 months of business bank statements. P&L and balance sheets, tax returns, and accounts receivable aging reports may be needed on lines over $75,000.

How quickly can I access the funds?

Some lenders disburse money within 24 hours; others may take a few days depending on documentation and approval flow.

Will this help build my business credit?

Absolutely. Using your line responsibly—and paying on time—can strengthen your credit profile and unlock better funding options down the line.

Is it worth having a line of credit I don't use often?

Yes. Having it available can provide peace of mind and financial flexibility. You only pay interest if you draw the funds—though do watch out for inactivity or maintenance fees.

What Do You Qualify For?

Not sure if a line of credit is right for you? Let’s take a look. We’ll help you understand your options and guide you to the best-fit program — no pressure, no hard credit checks.

Minimum Requirements:

Let’s Get You Funded

Our friendly team would love to hear from you.