Business Line of Credit
Flexible, revolving capital you can draw on the moment opportunity calls — and only pay for what you use.
What It Is
An overview of business line of credit
A business line of credit is a pre-approved pool of capital that sits ready whenever you need it. Rather than receiving one lump sum, you draw funds on demand up to your credit limit, repay, and draw again — much like a credit card, but with far better rates and built for business cash flow.
You are charged interest only on the balance you have outstanding, not the full limit. As you repay, your available credit replenishes automatically. It is the most elegant cash-flow instrument in business finance — quiet when you don't need it, instant when you do.
Best For
When this is the right fit
- Smoothing out seasonal revenue swings without taking on permanent debt
- Covering short-term cash-flow gaps between receivables and payables
- Seizing time-sensitive inventory discounts or bulk-purchase opportunities
- Maintaining a safety reserve for unexpected costs without idle borrowed cash
How It Works
From application to funded
Get approved once
Apply in minutes and receive a credit limit based on your revenue and history. There is no cost to keep the line open and unused.
Draw what you need
Transfer funds to your bank account instantly, any time, up to your available limit — no need to reapply.
Pay interest only on the balance
Interest accrues solely on the amount you've drawn, so an idle line costs you nothing.
Repay and reuse
As you repay principal, your available credit is restored, ready for the next opportunity.
Rates & Terms
The numbers, clearly stated
Lines of credit are priced on your business performance and credit profile. Because you pay only for what you draw, the effective cost is often the lowest of any flexible product.
Eligibility
What you'll need to qualify
Our baseline criteria
Most clients qualify with these guidelines — though they're flexible, not hard cutoffs. Strong performance in one area can offset a shortfall in another.
- At least 6 months in business under current ownership
- $15,000+ in average monthly revenue
- A personal credit score of 500 or above
- A business bank account and the last 3–6 months of statements
Why Choose It
The advantages at a glance
Reusable by design
Repay and the credit replenishes — a tool that grows with your business rather than expiring.
Pay only for usage
Interest applies to your outstanding balance alone. An untouched line carries no cost.
Instant access
Draw funds to your account in as little as a few hours, with no reapplication required.
Built-in safety net
Keep a standing reserve for the unexpected without parking borrowed cash on your books.
Questions
Frequently asked
Related Funding
Other solutions to consider
Let's match you with the right capital.
Tell us your goal and an advisor will confirm whether business line of credit is your ideal structure — usually within the hour.