Line of Credit
Small Business
Line Of Credit
Flexible, fast, and always available—your business
deserves a funding solution that works as hard as you do.
Funding Amounts
$10,000 - $500,000
Repayment Terms
6 - 12 months
Timeline to Funding
1 - 3 business days
What Is An Unsecured
Business Line Of Credit?
A Business Line of Credit offers the flexibility your business needs to manage cash flow, cover short-term expenses, and take advantage of growth opportunities—all without the commitment of a long-term loan. Unlike a traditional business loan, a line of credit allows you to access funds on-demand, giving you the freedom to borrow only what you need and repay based on usage. Whether it’s to bridge cash flow gaps, purchase inventory, or invest in new opportunities, our business line of credit puts financial control back in your hands.
Best Ways To Use Your Revolving
Business Line Of Credit.
This type of funding is particularly useful for businesses seeking to maintain financial fluidity
without committing to a long-term loan. It's a powerful tool for ensuring financial agility and
resilience in a dynamic business landscape.
Growth Opportunities
When an opportunity presents itself, don't let a lack of funding hold you back.
Unexpected Expenses
It happens to the best of us. For those things, good and bad, that you just never see coming.
Managing Cash Flow
Managing the ebbs and flows and ups and downs is a reality every business owner knows.
Covering Payroll Costs
When payday conveniently falls on the same day an opportunity of a lifetime presents itself.
Project or Job Supplies
While you're waiting to get paid for the last job, but need the capital start on the next one.
Reoccurring Expenses
For those predictable, planned costs, the ones that happen like clockwork, every month.
Restocking Inventory
Every business needs a product to sell. For when yours starts to get a little too low..
Any Short-Term Need
Any situation you can think of that you wouldn't want to still be paying for in 1+ years from now.
Unsure if it's a fit? Check out the funding product use case evaluation for guidance,
or schedule a complementary funding consultation to discuss your specific needs.
The Key Benefits Of A Small
Business Line Of Credit.
A Business Line of Credit provides a flexible financial solution with numerous advantages. With revolving credit, you can borrow, repay, and borrow again—ensuring funds are available whenever your business needs them. Interest is only charged on the amount borrowed, keeping costs manageable. Additionally, timely payments can help build your business credit profile, improving your chances of securing larger funding in the future. The flexibility and accessibility of a business line of credit make it the perfect tool to help businesses stay agile and competitive in a fast-moving marketplace.
Revolving Credit Usage
This unique feature allows businesses to borrow, repay, and re-borrow funds up to a pre-determined credit limit. It offers flexibility, as businesses can manage cash flow without applying for multiple loans.
Is your business qualified?
Pay Only On Borrowed Amount
Businesses are only charged interest on the amount of money they actually draw, not on the total credit limit. This can significantly reduce the cost, compared to traditional loans.
Quick Access To Funds
Once established, a line of credit provides quick access to funds, ofter through simple bank transfers or a designated card. This immediate availability is crucial to manage unexpected or time sensitive needs.
Build Business Credit
Proper use of a business line of credit can help you improve your business credit score by demonstrating creditworthiness through timely payments. Conversely, mismanagement can harm your business' credit substantially.
How The Smartest Businesses Leverage Lines Of Credit.
Unlock the full potential of your business credit line by using it strategically to boost your business' financial flexibility and help you achieve steady, scalable growth.
Staying Ahead of Competitors
Use your available credit to take advantage of upcoming opportunities before your competition does.
Maintaining Financial Stability
Even out your business' cash flow fluctuations and avoid seasonal or economic revenue dips.
Flexibility for Unpredictable Expenses
Give yourself a safety net to tackle unexpected costs without dipping into emergency reserves.
Making the Most of Your Credit
Borrow only what you need, and only when you need it, to avoid taking on unnecessary debt.
How To Qualify For A Revolving
Small Business Line Of Credit.
These requirements are a general rule of thumb, but by no means, are they set in stone. Certain exceptions can be
made, depending on the situation. If you're unsure if you'll qualify, reach out to us for personalized assessment.
Minimum Revenue
Minimum of $30,000 average monthly revenue
Minimum Time in Business
Minimum time in business of at least 2 years or longer
Minimum Credit Score
Minimum personal credit score of 650 or higher
Past Payment History
No active judgments or recent charge-offs on credit report
Find out how much funding your business is eligible for.
Applying For A Small Business Line Of Credit.
Applying for a business line of credit is simple and straightforward. Our streamlined application process ensures you can access funding quickly without the hassle of traditional bank loans. Whether you’re covering short-term expenses or preparing for future opportunities, our process is designed to fit your needs with minimal paperwork and fast approvals.
Step 1: Complete Your Application
Fill out our quick online form with basic business details and recent business bank statements.
Step 2: Get Approved For Funding
Our team will review your submission and provide tailored funding options to suit your needs.
Step 3: Gain Access To Your Funds
Once approved, you can draw funds from your line, up to your credit limit, whenever you need them.
Ready To Secure Your Revolving
Business Line Of Credit?
Applying for a Business Line of Credit is quick and easy. With just a short online application, you can receive an approval decision within hours. Our flexible credit options allow you to access funds as needed, with no obligation to use the full credit limit. Whether you’re looking to cover day-to-day operations or take advantage of unexpected growth opportunities, our business line of credit is here to support you. Apply today and take control of your business finances with confidence.
Still have questions? Check out our FAQs below or speak with a funding specialist.
A business line of credit is a flexible financing solution that allows businesses to borrow funds up to a predetermined limit and repay only what they use. Unlike a traditional term loan, you can draw funds as needed and only pay interest on the amount borrowed. This makes it an excellent option for managing cash flow, handling unexpected expenses, or seizing growth opportunities without committing to a lump sum loan.
A business line of credit provides revolving access to funds, meaning you can withdraw and repay multiple times within your credit limit. A term loan, on the other hand, provides a fixed amount upfront with set repayment terms. A line of credit offers more flexibility for ongoing or unpredictable expenses, while a term loan is better suited for one-time large purchases or investments.
A business line of credit can be used for virtually any short-term business expense, including covering payroll, purchasing inventory, investing in marketing efforts, or bridging cash flow gaps during slow seasons. This product is especially great for businesses that have ongoing, reoccurring expenses. This flexibility allows you to address both planned and unexpected costs efficiently.
Having a revolving line of credit offers peace of mind and financial flexibility. You can access funds whenever needed without reapplying, and you only pay interest on the amount you use. This provides businesses with a safety net to handle fluctuating expenses and growth opportunities without straining cash reserves.
If your business experiences fluctuations in cash flow, has seasonal demands, or requires ongoing access to funds for operational expenses, a line of credit may be the perfect fit. It’s ideal for businesses that prefer flexibility over fixed repayment structures and want to avoid taking on unnecessary debt.
Small Business Line
Of Credit Frequently
Asked Questions.
Still have questions about how a business line of credit can support your business? We’ve compiled answers to the most commonly asked questions below to help you understand how this flexible financing solution works and can benefit your business.
Not quite the right fit for your business?
Explore these other funding options.
Cash Flow Funding
Working Capital Loan
Merchant Cash Advance
View All Options
Or schedule a funding consultation for a complimentary business funding analysis.