Business Line of Credit
Flexible, on-demand access to capital. Draw funds when you need them, repay on your schedule, and only pay interest on what you actually use.
Up to $750K · Funded in 1–7 days
Amount
Rate
Term
Speed
Collateral
What it is. How it works. Who it's for.
A business line of credit is the most flexible capital tool a growing business can have. Unlike a term loan, you don't take a lump sum and start paying interest on day one — you draw only what you need, when you need it, and only pay for what you use. It's the closest thing a business has to a credit card without the credit card cost structure.
Best fit for
- Smoothing out seasonal or project-based cash flow
- Buying inventory ahead of a busy quarter
- Bridging gaps between invoicing and payment
- Having dry powder for opportunities you can't predict
Four steps from inquiry to wire.
- 01
Audit
Free 15-minute call to confirm fit and likely approval range.
- 02
Application
Single application — we shop the file across our lender network.
- 03
Approval
Term sheet typically in 24–72 hours. You pick the structure that fits.
- 04
Draw
Once open, draw any amount up to your limit, anytime, with no re-application.
What we look for.
Most files that fit these markers move quickly. If yours doesn't yet, we'll show you how to get there.
Get Pre-Qualified- 12+ months in business
- $10K+ monthly revenue
- FICO 600+
- No active bankruptcies
- 3 months business bank statements
The ones we get most.
Often paired with Business Line of Credit
0% Credit Stacking
- Owners launching a new venture or marketing push
- Operators paying for inventory, ads, or contractors
Small Business Loans
- One-time investments with a clear ROI
- Refinancing higher-cost debt (MCAs, high-rate cards)
Accounts Receivable Financing
- B2B and government contractors
- Staffing, transportation, manufacturing
Apply for Business Line of Credit
Free 15-minute audit. Soft credit pull only. Pay only after funded.
Start My ApplicationSoft credit pull · No score impact · 15-min commitment