GET FUNDED
Unsecured Credit Limit: Revolving up to $500,000
Flexible Payments: Only pay interest on what you use
Instant Access: Access capital when you need it
Dedicated Advisor: A specialist for every application.
Flexible, fast, and always available—your business deserves a funding solution that works as hard as you do. Apply today!
$10,000 - $500,000
6 - 12 months
1 - 3 business days
Running a business rarely follows a straight line. Cash flow fluctuates, expenses pop up unexpectedly, and opportunities don't always wait for perfect timing. Having access to a business line of credit gives you flexibility when things don't go exactly as planned.
You can't predict every expense, but you can be prepared for them. A line of credit allows businesses to handle surprises without disruption, while also staying ready to act when time-sensitive opportunities arise. When timing matters and decisions need to be made quickly, having available capital can make the difference between missing an opportunity and moving forward with confidence.
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.
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.
When an opportunity presents itself to you, don't let the lack of funding hold you back.
Managing the ebbs and flows of revenue is a reality that every business owner knows.
It happens to the best of us. For the things, both good and bad, you never see coming.
Keep projects moving forward while waiting on customer payments for completed work.
For the predictable, planned costs—the ones that happen like clockwork, every month.
Manage predictable fluctuations in demand without overextending your cash flow.
Launching a marketing campaign to acquire new customers and drive long-term revenue.
Take advantage of limited-time discounts without waiting on your receivables to clear.
Cash flow isn't always predictable. A Business Line of Credit gives you access to capital when timing matters, helping businesses stay prepared, manage obligations strategically, and move quickly as situations change. This financial safety net makes it an effective tool for maintaining stability as your business evolves.
This allows businesses to borrow, repay, and re-borrow funds up to a pre-determined credit limit, enabling them to manage their cash flow without applying for multiple loans.
The revolving structure of a Line of Credit allows businesses to align borrowing directly with the ebbs and flows of their business cycles, rather than a rigid repayment schedule.
Once established, a Line of Credit provides on-demand capital. The immediate availability is helpful for businesses to manage seasonal or unpredictable revenue patterns.
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.
A Business Line Of Credit is one of the most powerful financial tools available to small business owners. By using it strategically and responsibly, you can avoid cash shortages, invest in growth, and build a stronger financial foundation for the future.
Check your business' Fundability Score.
Use your available credit to take advantage of new opportunities before the competition does.
Even out your business' cash flow fluctuations and avoid seasonal or economic revenue dips.
Give yourself a safety net to tackle unexpected costs without dipping into emergency reserves.
Borrow only what you need, and only when you need it, to avoid taking on unnecessary debt.
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 circumstances. If you're unsure if you qualify, contact us for personalized funding assessment.
Generally, qualified applicants met the following criteria:
Minimum of $30,000 average monthly revenue over the last 4 months
Minimum time in business of at least 2 years or longer
No unresolved defaults or active judgments on any previous funding
Minimum personal credit score of at least 650 or higher
Find out how much funding your business could be eligible for.
Applying for a Line Of Credit for your business is a simple and straightforward process. Once you've submitted your application, you can have an answer within hours.
Our process is designed to fit your needs. With minimal paperwork and a quick turnaround, securing the right funding has never been easier.
Fill out our funding application with basic business details and most recent business bank statements.
Our team will review your submission and provide tailored funding offers that suit your unique needs.
Your business will receive funds in as little as 24-hours to help you manage cash flow and grow.
Whether you're looking to stabilize your business' cash flow 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.
Business Lines Of Credit and credit cards both allow for revolving access to credit, but a Business Line Of Credit usually has higher limits and lower interest rates, while credit cards often offer perks, like rewards points, cash back, or low-to-no interest introductory rates. Both report to the credit bureaus, and a utilization rate above 30% on either will hurt your credit score.
Business credit cards are good for everyday expenses, like office supplies and utility bills. Business Lines Of Credit are good for larger business needs, such as managing fluctuating revenue during seasonal dips, bridging the gaps in cash flow while waiting for client payments, or taking advantage of opportunities that increase the profitability of your business.
Yes. This is something most business owners don't realize until it's too late. Because a Line Of Credit is reported to credit bureaus the same way credit cards do, if your utilization creeps above 30%, your credit score takes a hit—even if you're making every payment on time.
Unlike a term loan where your balance only goes down, a LOC balance can fluctuate—which means your credit profile can too. If you're planning to apply for other financing down the road, a maxed-out line of credit can work against you.
Treat it like a safety net, not a lifeline. Use it for short-term, profit-generating expenses or true emergencies—not everyday bills. Borrow only what you need, pay it down quickly, and keep utilization under 30%. The businesses that get in trouble with Lines Of Credit are the ones that treat them like a checking account and end up overextending themselves.
Yes. Depending on the lender, there can be several. Some charge monthly or annual maintenance fees just to keep the account open, plus origination fees when you first set up the line. Most lenders charge draw fees every time you pull funds, and of course there are late payment fees if you miss a payment or pay after its due date. Some lenders even charge inactivity fees if you don't use your Line Of Credit.
Make sure you understand the terms and conditions of your line of credit agreement, especially when it comes to the fee schedule and repayment requirements.
A Line of Credit works best for businesses with strong credit, steady revenue, and the discipline to use it strategically. For emergencies, it's a great tool for any business to have. If your business has recurring short-term needs or needs flexibility to act quickly on growth opportunities, a Business Line Of Credit can be a great fit.
But if you're looking for a set amount of capital for a specific purchase, or if you prefer having fixed, predictable payments, or your business is already stretched thin financially, a Line Of Credit is not the best option. Not sure? Take a look at our Use Case Analysis or you can schedule a funding consultation to review your specific situation and what makes the most sense for your business.
While interest is only charged on the outstanding balance, rather than the entire credit limit, most lines of credit have a variable rate based on the national prime rate plus a margin set by the lender. That means your payments can go up or down depending on market conditions, even if your balance stays the same.
Still have questions about how a Business Line Of Credit works? We’ve compiled answers to the questions we're asked the most to help you understand this flexible funding solution, and if it's the right fit for your business' needs.
If you have a question that wasn't covered here, you can contact us or you can schedule a funding consultation to review your specific situation with a dedicated funding consultant.
Federal law requires all
financial
institutions to obtain, verify and record information that identifies each person and entity
that
opens an account or establishes a relationship with such institution, including name, birthdate,
social security or federal tax identification number, and other information that will allow the
financial institution to verify the person's and/or entity's identity.
What this means for you:
When opening an account, we will ask for this and other information, which will allow us to
identify
you, including your driver's license or other government identification.
