Business Line of Credit

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Helping 3,000+ Businesses Grow with Trusted Capital Solutions

What Are the Requirements to Qualify for
A Business Credit Line?

1+ Year in Business

$500,000+ in Annual Revenue

What is a business line of credit?

A business line of credit is a versatile financing solution that lets businesses access funds as needed, much like a credit card. Interest is charged only on the amount borrowed, and the funds can be utilized for a variety of needs, such as managing cash flow, handling unexpected expenses, purchasing inventory, or funding short-term projects.

Pay Only for What You Use
Withdraw the amount you need, whenever you need it, and only pay interest on the funds you actually use.
Quick and Easy Funding
Our Fintech speed enables you to move through underwriting in just a few hours, with funds available the same day!
Access Larger Amounts
Get matched with the optimal financing options offering the highest funding amounts.
Flexible Funding Solutions
We offer extended lines of credit, with amounts up to $5,000,000, providing you with the flexibility to borrow as needed.

Access the Lowest Rates, Longest Terms, and Highest
Funding Amounts to meet your goals with ease.

Funding Amount

Secure the Highest Funding Amounts to fuel your growth and achieve your ambitions effortlessly.

Repayment

Enjoy flexible repayment options tailored to fit your budget and timeline, making it easier to stay on track while achieving your goals.

Time to Fund

Get funded fast! Enjoy a quick and efficient process, with funding delivered in as little as 24 to 48 hours.

Resources & Frequently Asked Questions

A business line of credit is a flexible financing option that allows businesses to borrow up to a pre-approved limit, repay the borrowed amount, and then borrow again as needed. Unlike a traditional loan, you only pay interest on the amount you draw, not the entire credit limit.

This makes it ideal for managing cash flow, covering short-term expenses, or handling unexpected financial needs. Business lines of credit can be secured (backed by assets) or unsecured (based on the business’s creditworthiness), and they provide businesses with quick access to funds when required.

Secured Business Line of Credit

A secured business line of credit requires your business to pledge an asset, typically real estate, as collateral in order to obtain the credit. This option is often ideal for businesses that may not have a long operating history or have past credit challenges that could prevent them from qualifying for an unsecured loan. The lender will use the collateral to recover the loan balance in case of default, providing a security cushion for the lender.

Unsecured Business Line of Credit

An unsecured business line of credit does not require collateral, much like a credit card. However, a lien or personal guarantee may be required. Because there is no collateral backing this type of credit, it presents a higher risk to the lender. As a result, your business will need a strong credit score and a solid financial track record to qualify. Unsecured lines of credit may come with higher interest rates due to the increased risk to the lender.

To learn more about how a secured or unsecured business line of credit can benefit your business, complete our 15-second application to speak with a business financing advisor.

A business line of credit provides your company with the flexibility to access funds whenever you need them, without the hassle of repeatedly applying for loans. Whether it’s to cover increased working capital demands or manage unforeseen expenses, a business line of credit offers a safety net for your business.

Small business owners often use a line of credit as a strategic financial tool, allowing them to maintain smooth day-to-day operations while preparing for both short-term and long-term financial needs. It’s a valuable resource for sustaining business activities and exploring new revenue-generating opportunities.

To learn more about why having a business line of credit is essential for your business, complete our 15-second application and connect with a business financing advisor today.

A business line of credit operates differently from a traditional term loan, which provides a lump sum of cash that must be repaid over a fixed period. Instead, a business line of credit offers an established credit limit that you can access as needed, giving your business the flexibility to borrow and repay funds on your own schedule.

As you repay what you borrow, the available credit replenishes, allowing you to reuse the funds without reapplying, as long as you stay within your credit limit. Interest is charged only on the amount you borrow, not the full credit line, making it a cost-effective solution for managing cash flow. Repayment schedules are typically set in advance, with options for weekly, monthly, or periodic payments, depending on the lender.

Think a business line of credit is right for your business? Complete our 15-second application to learn more.

Effortless Application Process

Apply Online Now

Our simple and straightforward application process takes just seconds to complete, giving you instant pre-approval.

Review Your Options

Your dedicated loan advisor will guide you through the available financing options tailored to your business needs.

Receive Your Funds Quickly

Complete the online application process and get your funds in as little as 24 hours.

Ready to growth your business?

Grow your business with fast funding, flexible solutions, and expert support tailored to help you achieve your goals quickly and effectively.