Business Lines of Credit
Access $10,000 to $1,000,000
in Revolving Business Credit
- Draw funds only when you need them
- Pay interest only on what you use
- Revolving credit - reuse as you repay
- Build business credit history
*No hard credit pull to get pre-qualified
What is a Business Line of Credit?
A business line of credit provides flexible access to funds when you need them most. Unlike traditional loans, you only pay interest on the money you actually use, making it perfect for managing cash flow gaps and unexpected expenses.
Revolving Credit
As you repay borrowed funds, they become available to use again.
Interest Only on Usage
Pay interest only on the funds you draw, not the entire credit limit.
Instant Access
Once approved, access funds instantly when opportunities arise.
Why Choose Our Business Lines of Credit?
Get the financial flexibility your business needs with competitive rates and terms designed for growing companies.
Cash Flow Management
Bridge gaps between receivables and payables. Cover seasonal fluctuations and unexpected expenses with ease.
Growth Opportunities
Seize new business opportunities without waiting for traditional loan approval. Scale your operations quickly.
Financial Security
Have a financial safety net ready for emergencies. Protect your business from unexpected challenges.
Inventory Management
Stock up on inventory for busy seasons or take advantage of bulk purchase discounts from suppliers.
Payroll & Operations
Meet payroll obligations and cover operational expenses during slower periods without stress.
Build Credit History
Establish and improve your business credit profile with responsible usage and timely payments.
Qualification Requirements
Our flexible qualification criteria make it easier for growing businesses to access credit lines.
Business Operating History
At least 6 months in business with consistent revenue
Monthly Revenue
Minimum $15,000 in monthly gross revenue
Credit Score
Personal credit score of 550+ (business credit considered)
Bank Statements
3 months of recent business bank statements
Legal Business Entity
LLC, Corporation, or Partnership with valid EIN
Credit Line Terms & Features
Loan Details
Key Features
How Our Credit Lines Work
Get approved quickly and start accessing funds when you need them most.
Apply Online
Complete our simple application in minutes. No hard credit pull during initial review.
Get Approved
Receive approval decision within 24 hours. We'll determine your credit limit and terms.
Access Funds
Draw funds as needed through online transfers or checks. Use only what you need.
Repay & Reuse
Make payments and replenish your available credit for future use when opportunities arise.
Frequently Asked Questions
Get answers to common questions about business lines of credit.
How is a line of credit different from a business loan?
A business loan provides a lump sum upfront with fixed payments, while a line of credit gives you access to funds as needed. You only pay interest on what you actually use, and as you repay, the funds become available again.
How quickly can I access my approved credit line?
Once approved and signed, you can typically access funds within 1-2 business days through online transfers or within a week for checks.
Can I pay off my line of credit early?
Yes, there are no prepayment penalties. You can pay off your balance at any time, and the paid amount immediately becomes available credit again.
What can I use my business line of credit for?
You can use funds for any legitimate business purpose including inventory, payroll, equipment, marketing, seasonal cash flow gaps, or unexpected expenses.
How do I make payments on my credit line?
You can make payments online through our portal, by phone, or through automatic bank transfers. During the draw period, you typically make interest-only payments.
Will this affect my personal credit score?
The initial application uses a soft credit pull that won't affect your score. If approved and you accept the offer, we may perform a hard credit inquiry.
Ready to Get Your Business Line of Credit?
Get the financial flexibility your business needs with our competitive credit lines. Apply now and get a decision within 24 hours.
*No hard credit pull to get pre-qualified • Same-day decisions available