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A single lump sum delivered fast and repaid over a few months — with fixed, predictable payments.
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Most flexible
Business Line of Credit
A revolving pool of capital you draw from again and again — pay interest only on what you use.
Amount range$5K – $500K
Typical term6–24 months
Funding speedSame / next day
What it is
A closer look at the Line of Credit
A business line of credit is the most flexible product we offer. Instead of a single lump sum, you get an approved credit limit you can borrow against whenever you need it. Draw $20,000 today to cover payroll, repay it over the next few weeks, and your full limit is available again — no reapplication required. You only ever pay interest on the balance you actually carry, which makes it the ideal safety net for the ebb and flow of running a business.
Think of it as standby capital that sits quietly in the background until the moment you need it: a surprise repair, a bulk-inventory discount you cannot pass up, or a slow-paying client who is stretching your cash thin.
Funding range$5K – $500K
Best for
Is the Line of Credit right for you?
This product tends to be the strongest fit when one of these sounds like your situation.
- Smoothing cash-flow gaps. Cover payroll, rent, or suppliers during the lag between money out and money in.
- Seizing time-sensitive deals. Jump on bulk-purchase discounts or last-minute inventory without draining reserves.
- Managing seasonal swings. Draw down in your slow season and repay when revenue picks back up.
- Keeping a financial cushion. Have capital ready for the unexpected without paying for it until you use it.
How it works
From application to funding
01 Step 1
Apply in minutes
Submit one short application with your last few months of bank statements. No hard credit pull to see your limit.
02 Step 2
Get your limit
An advisor reviews your file and sets a credit limit, usually within 24 hours, with terms in plain English.
03 Step 3
Draw what you need
Transfer funds to your bank account instantly, as often as you like, up to your limit.
04 Step 4
Repay and refresh
As you pay down the balance, that credit becomes available again — automatically.
Eligibility
What you need to qualify
Our requirements are refreshingly simple. Most businesses that meet these baselines are a strong candidate.
- 6+ months in business. A short operating history is enough to get started.
- $15,000+ in monthly revenue. Consistent revenue matters more than perfection.
- 500+ credit score. We look at the whole picture, not just one number.
Checking your options is free and uses a soft inquiry that does not affect your credit score.
Rates & terms
The details
| Detail | Line of Credit |
|---|---|
| Funding range | $5,000 to $500,000 |
| Draw term | 6 to 24 months per draw |
| Rates | Starting around 1.25% monthly on the drawn balance |
| Fees | No prepayment penalties; small draw fee may apply |
| Funding speed | Initial setup in 24–48 hours; draws in minutes |
Figures are illustrative and for demonstration only. Actual rates, fees, and terms depend on underwriting and your business profile. Not an offer of credit.
Why owners choose it
The benefits at a glance
Pay only for what you use
Interest accrues solely on your outstanding balance — an untouched limit costs you nothing.
Instant, repeatable access
Once approved, draw funds in minutes, as many times as you need, without reapplying.
No prepayment penalties
Pay down early whenever cash allows and save on interest. Always.
Builds business credit
Responsible use and on-time repayment strengthen your business credit profile.
Industries that lean on it
Popular with these businesses
See how the Line of Credit fits the way your industry actually runs.
Questions
Line of Credit FAQ
A term loan gives you one lump sum you repay on a fixed schedule. A line of credit is revolving — you borrow, repay, and borrow again up to your limit, paying interest only on what is currently drawn.
No. If you do not draw on the line, you pay no interest. Some plans carry a small maintenance or draw fee, which your advisor will spell out up front.
Once your line is established, approved draws typically hit your bank account within minutes to one business day.
Checking your options uses a soft inquiry that does not affect your score. A hard pull only happens if you move forward with funding.
Related funding
Other products to consider
Many owners blend two products for the perfect fit. Here are the ones most often paired with this one.
Ready for a line of credit?
Apply in five minutes with no impact to your credit score, and talk to a real advisor today.