Business Line of Credit

Revolving Business Credit Line

Flexible revolving capital on demand — draw what you need, when you need it, and only pay interest on what you use.

$10K–$500K
Credit Limit
From 8%
Interest Rate
Revolving
Structure
1–2 Weeks
Funding Speed
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Product Overview

What is a Business Line of Credit?

A business line of credit is a revolving credit facility that works like a business credit card but with higher limits and lower rates. You're approved for a maximum amount, draw funds as needed, repay, and draw again. Interest accrues only on what you've drawn. Ideal for managing cash flow, seasonal needs, or unexpected expenses.

Unlike a term loan, you don't pay interest on the full amount — only on what you've actually used. As you repay, that capacity becomes available again, giving you a permanent financing safety net for your business.

Key Benefits

  • ✓Only pay interest on what you draw — not the full limit
  • ✓Reusable revolving credit — borrow, repay, borrow again
  • ✓Builds your business credit profile over time
  • ✓Flexible for any legitimate business need
Who Qualifies

Requirements

Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.

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Minimum 1 year in business
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Annual revenue $120K+
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Credit score 600+
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Business bank statements (3+ months)
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No major derogatory marks on credit
How It Works

How to Apply

1

Quick Application

Share your revenue, time in business, and credit profile. Takes under 5 minutes to complete.

2

Discovery Call

An advisor reviews your cash flow needs and determines the right credit structure for you.

3

Get Matched

We match you with the best line of credit lender and manage the approval process end-to-end.

4

Get Funded

Approved in days, funded in 1–2 weeks. Draw funds whenever you need them — it's that simple.

Common Questions

Frequently Asked Questions

A business line of credit is revolving — you draw funds as needed, repay, and draw again. You only pay interest on what you use. A term loan provides a lump sum upfront repaid in fixed installments over time. A line of credit is best for ongoing working capital and cash flow needs; a term loan is better for a specific one-time investment where you know the exact amount needed.
Most business lines of credit fund within 1-5 business days of final approval. After the initial setup, draws on your line typically transfer within 24 hours. Emergency same-day draws are often available for established clients with strong repayment history. The initial application-to-approval process typically takes 1-5 business days depending on documentation completeness.
Business lines of credit are available for credit scores as low as 580, though scores above 650 unlock better rates and higher credit limits. Secured lines of credit backed by assets or accounts receivable may be available for lower scores. We work across a network of lending partners to find the right product for your credit profile.
A business line of credit can be used for any legitimate business purpose: covering payroll during slow periods, purchasing inventory, bridging gaps between invoicing and payment, funding marketing campaigns, handling unexpected expenses, or capturing supplier discounts for early payment. Draw what you need, when you need it, and only pay interest on your outstanding balance.