Business Credit
Capital on standby. Draw it when you need it.
A business line of credit gives you a revolving limit to draw from as needed. Repay it and the funds become available again, and you pay on what you draw instead of on money you are not using.
How it works
Open once, use it again and again
Apply once
A short application and recent bank statements. Larger lines may also need financial statements.
Get your limit
Your funding partner sets a limit and terms based on revenue, time in business and credit.
Draw as needed
Move funds to your account when you need them. Repay and reuse.
Is it a fit?
A line fits businesses with uneven timing
Good fit if
- Uneven cash flow or seasonal swings
- Recurring timing gaps like inventory buys or payroll
- You want a safety net before you need it
- Several months in business with steady deposits
What you will need
- Signed application
- Last 6 months of business bank statements
- Balance sheet and P&L for larger lines
- Most recent business tax return for larger lines
- Government-issued photo ID
Send documents as PDFs. Your funding specialist will tell you if anything else is needed.
Common uses
Get Your Quote
See how much you qualify for
Takes 30 seconds. A funding specialist reaches out right away with real options.
- Answered fast, any hour
- Clear terms before you sign anything
Questions
Business Line of Credit questions
How is a line of credit different from a term loan?
A term loan gives you one lump sum with fixed payments. A line of credit gives you a limit to draw from as needed, and you pay on what you draw, plus any program fees.
Is a line of credit secured?
Some lines are unsecured and some are secured by receivables or other assets. Larger limits usually need more documentation or collateral.
What happens to my limit when I draw?
Your available balance goes down when you draw and comes back as you repay.
Can newer businesses qualify?
Some programs work with newer businesses, but most look for several months of steady deposits. Tell us where you are and we will tell you honestly what fits.
Related programs
Other ways to fund
Revenue Based Funding
A lump sum now, remitted as a small share of your future receivables. Built to flex with your revenue.
Learn more →Business Term Loans
Fixed funding with clear terms for expansion, renovations, hiring and bigger plays.
Learn more →Unsecured Business Loans
Funding based on your revenue and credit instead of a pledged asset. Simple documents, fast decisions.
Learn more →Ready to move your business forward?
Apply today and get a decision fast. A real answer when you call, and clear terms before you sign.