Business Line of Credit
Flexible, revolving capital you can draw on whenever opportunity (or a surprise) knocks. Only pay for what you use.
Working capital, simplified
Capital for your brightest season.
Fast, unsecured business funding from $5,000 to $5,000,000 — approvals in 24–48 hours, no hard credit check to apply.
Checking your options won't affect your credit score.
See what you qualify for
A soft check in under a minute. No obligation.
Rated 4.9/5 by 3,200+ owners
Bank-grade 256-bit security
Same-day & next-day funding
No hard credit check to apply
A+ RatedBBB Accredited Business
4.9 / 5 Trustpilot
256-bit SSLBank-grade encryption
SOC 2Type II Compliant
By the numbers
Trusted by businesses across America
$1B+
Capital funded
10,000+
Businesses served
95%
Funded within 48 hours
90%
Customer renewal rate
22%
Come from referrals
How it works
Funding in three simple steps
From application to deposit, the whole journey is built to be fast, transparent, and refreshingly human — backed by real advisors who pick up the phone.
01 Apply & submit
Tell us about your business
Complete our 5-minute online application and connect a few months of bank statements. No paperwork mountains, no hard credit pull.
02 Underwrite & approve
We review & approve fast
A dedicated advisor reviews your file and returns a decision in 24–48 hours, with clear terms and no hidden surprises.
03 Sign & fund
Sign and get funded
E-sign your offer and watch the capital land in your account — often the same day, frequently the next.
Funding solutions
Seven ways to fuel your next move
Whatever season your business is in, there's a financing structure built to match it.
Short-Term Loans
A single lump sum for fast-moving needs — inventory, payroll gaps, a time-sensitive deal — repaid over a few months.
Long-Term Loans
Larger amounts and gentler payments for expansion, renovation, or a major hire. Build something that lasts.
Invoice Factoring
Turn unpaid invoices into immediate cash. Stop waiting 30, 60, or 90 days to access money you've already earned.
Equipment Financing
Acquire the machines, vehicles, or tech that grow your output — with the equipment itself securing the loan.
Merchant Cash Advance
Get capital today and repay as a small slice of daily card sales — payments that flex with your revenue.
SBA Loans
Government-backed financing with the lowest rates and longest terms we offer. We make the famously slow process simple.
Not sure which fits?
Tell us your goal and we'll match you to the right structure — often a blend of two.
Talk to an advisor
Industries we serve
Capital that speaks your industry's language
From job-site equipment to seasonal inventory, our advisors understand the rhythms of your trade — and structure funding around them.
See all industries
Construction
Healthcare
HVAC
Manufacturing
Restaurants
Trucking
Retail
Technology
Real Estate
Auto Repair
Salons & Spas
Agriculture
Owner stories
Loved by the people who keep America running
Good to know
Answers, before you ask
Most applicants receive a decision within 24–48 hours. Once you e-sign, 95% of approved files are funded within 48 hours — and many see same-day or next-day deposits.
No. Checking your options uses a soft inquiry that never affects your score. A hard check only happens later, with your explicit consent, if you choose to move forward.
The essentials: at least 6 months in business, $15,000+ in monthly revenue, and a 500+ credit score. Meet those and there's a strong chance we can fund you.
Your brightest season starts here
Ready to grow on your terms?
Apply in five minutes and get a real decision in a day. No obligation, no hard credit check, no jargon.