A line of credit gives you a revolving pool of capital you can draw from whenever you need it. You only pay for what you use, and as you repay, the available credit replenishes, making it ideal for businesses that value flexibility over a one-time lump sum.
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A business line of credit is a revolving facility: you are approved for a credit limit, then draw against it as needed. Unlike a lump-sum advance, you only carry, and pay interest on, the balance you actually use.
As you repay what you have drawn, that capacity becomes available again. That makes a line of credit a strong tool for managing the natural ebb and flow of a business rather than a single, defined expense.
A realistic picture of what we look for, and what to have ready so things move quickly.
6–12+ months in business
$15k+ in average monthly revenue
Reasonable business credit
An active business bank account
U.S.-based business
3–6 months of bank statements
Recent business financials
A government-issued photo ID
Business info (EIN, entity type)
Submit your business details and revenue so we can size the right limit for you.
Receive an approved credit line you can keep on hand, there is no obligation to draw it.
Pull funds whenever an opportunity or gap appears, in the amounts you choose.
Pay down your balance and the available credit replenishes for next time.
A line of credit charges interest only on the balance you actually draw, leave it untouched and it costs you little to nothing to keep on hand. Rates are typically variable and tied to your profile.
As you repay, your available credit replenishes. That makes a line one of the more cost-efficient tools for businesses with steady but uneven cash flow.
You pay only for the capital you actually use.
Paid-down capacity becomes available again.
A small per-draw fee may apply, disclosed up front.
Managing seasonal cash-flow swings
Keeping a safety net on hand
Covering recurring short-term gaps
Taking quick inventory or supplier deals
Smoothing irregular receivables
Funding ongoing growth in stages
No hype. Here is where this product shines and what to keep in mind before you commit.
What we generally look for before this fits. Have these in hand and things move faster.
Around 6 to 12 or more months in business
Roughly $15k or more in average monthly revenue
Reasonable business credit
An active business bank account
A U.S.-based business
No credit pull to start (a hard pull may occur later at the funder stage)
Honest ranges, not a quote. Actual terms vary by funder and underwriting.
A business line of credit is a loan product, so it carries an interest rate, typically variable and tied to your profile, charged only on the balance you actually draw. Leave the line untouched and it costs little to nothing to keep on hand. Limits commonly range from $25,000 to $250,000. Actual rates, limits, and any draw or maintenance fees vary by funder and underwriting.
A line is usually established in about 2 to 5 business days, after which draws are often available the same or next business day.
Gathering these up front keeps your review quick and clean.
Three to six months of business bank statements
Recent business financials
A government-issued photo ID
Basic business information such as EIN and entity type
A profit-and-loss statement, for larger limits
The factors that carry the most weight when your file is reviewed.
Average monthly revenue and overall cash-flow consistency
Time in business and operating history
Business and personal credit profile
Average daily balance and how often the account runs negative
Existing debt and current obligations
Industry and revenue stability
No hype. Here is what to think hard about before you commit.
Illustrative situations, not promises. Your options depend on your business.
If this is not quite the fit, these options are worth a look.
An estimate for comparison only. Actual terms vary by funder and underwriting.
A quick look versus two common alternatives. The best fit depends on your situation, we'll help you weigh it.
“Having the line there means I can jump on inventory deals without scrambling for cash.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→See how business lines of credit and other options work for businesses like yours.
Working capital for restaurants, bars, cafés, and food businesses.
Fuel, repairs, and payroll while you wait on broker pay.
Materials, payroll, and equipment between draws.
Inventory and ad spend ahead of demand.
Lifts, parts, and payroll for the shop floor.
Equipment and payroll through the reimbursement lag.
Stations, build-outs, and product for beauty businesses.
Payroll and hiring while clients pay on net terms.
Renovations and payroll through the off-season.
Plain-English answers to the questions owners ask before they apply.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.