Lines of Credit
Flexible revolving credit that gives you access to capital whenever you need it. Draw funds on your schedule.
88%
Approval Rate
2 Days
Avg. Time to Activate
92%
Repeat Draw Rate
$75K
Avg. Credit Limit
Overview
A business line of credit offers the ultimate flexibility. Unlike a traditional loan, you only pay interest on the funds you actually use. Draw funds as needed, repay, and draw again -- making it the ideal solution for managing cash flow, covering unexpected expenses, or seizing time-sensitive opportunities. Our lines of credit are designed to grow with your business, with credit limit increases available as your revenue grows. Think of it as a financial safety net that is always available when you need it, without the cost of borrowing when you do not.
Key Benefits
Who Is This Ideal For?
- 1Seasonal businesses that need to stock up before peak periods
- 2Companies with fluctuating cash flow or irregular payment cycles
- 3Businesses that want a safety net for unexpected expenses
- 4Owners who need to cover payroll gaps between client payments
- 5Growing companies that want capital on demand without reapplying
Real-World Use Cases
Covering $30,000 in payroll while waiting for a large client invoice to clear
Stocking up on $50,000 of seasonal inventory before the holiday rush
Handling a surprise $15,000 equipment repair without disrupting cash flow
Bridging a 45-day gap between project completion and client payment
Taking advantage of a vendor's 10% early-payment discount on a $100,000 order
Covering marketing campaign costs to drive revenue during a slow quarter
Quick Facts
Funding Range
$5,000 - $500,000
Funding Speed
1-3 business days
Term Length
6 - 24 months (revolving)
No obligation. Free consultation.
Upload Documents
Optional -- speed up your application by preparing these documents.
Bank Statements
Last 3 months of business bank statements
Driver's License
Valid government-issued photo ID
Voided Check
Voided check from your business account
How to Qualify
- 1Minimum 6 months in business
- 2Monthly revenue of $10,000+
- 3Credit score of 580+
- 4Active business checking account
- 5No active liens or judgments
Industries We Serve
The Process
How Lines of Credit Works
Our streamlined process gets you from application to funded as quickly as possible.
Apply & Get Approved
Submit a quick application with basic business and financial information. Our team reviews it and provides approval decisions within 24 hours.
Receive Your Credit Limit
Once approved, your credit limit is established and ready to use. Access your funds through our online portal or mobile app at any time.
Draw Funds When Needed
Request a draw whenever you need capital. Funds are typically deposited into your business account the same day or next business day.
Repay & Reuse
Make payments on what you have borrowed, and your available balance is replenished automatically. Draw again whenever you need to -- no reapplication required.
Get Started
How to Apply
Follow these simple steps to begin your funding journey.
Check Your Eligibility
Use our quick pre-qualification form to see if you meet the basic requirements. There is no credit impact from pre-qualifying.
Submit Your Application
Provide your business details, 3 months of bank statements, and desired credit limit. The entire process takes about 10 minutes.
Review Your Offer
Receive your approved credit limit, interest rate, and repayment terms within 24 hours. Your advisor explains everything clearly before you commit.
Start Drawing Funds
Once you accept, your line of credit is activated immediately. Make your first draw right away through our secure online portal.
Honest Assessment
Pros & Cons
We believe in full transparency. Here is an honest look at the advantages and limitations.
Advantages
- Maximum flexibility -- only borrow what you need
- Revolving structure means you never run out of access
- Lower cost than credit cards for most businesses
- Fast access to funds once established
- Builds a strong credit relationship for future needs
Considerations
- Interest rates may be higher than long-term loans
- Credit limits are typically lower than term loans
- Requires discipline to avoid over-borrowing
- Some programs require weekly or daily repayment
Common Questions
Lines of Credit FAQ
Get answers to the most frequently asked questions about this funding product.