Up to $500K
Credit Limit
From 8%
Interest Rate
24 – 72 hr
Time to Fund
Revolving
Structure
What a line of credit is really for.
A line of credit is a standing facility, not a one-time loan. The lender sets your ceiling. You pull what you need, pay it back as receivables land, and the balance resets so you can pull again. That is why it fits the situations a term loan handles badly: making payroll when a big invoice is two weeks late, buying inventory at a discount you did not plan for last quarter, bridging a slow stretch without panic.
You only pay interest on the balance you are carrying at the moment, so an untouched line costs close to nothing to leave in place. Most of the operators we work with open one before they need it and keep it idle until the numbers say otherwise. That is the point. A line of credit is insurance you can deploy.
Eligibility what we typically look for
- At least 6 months of operating history.
- Annual revenue of $100K or higher.
- Personal credit score of 600 or better.
- Active business bank account.
- Recent business bank statements.
- US-based business entity.
Why founders pick this
Key benefits
- Interest accrues only on the portion you draw, not the full limit.
- Repaid principal becomes available again automatically.
- Approval is faster than a traditional term loan in most cases.
- Holding an unused line costs effectively nothing.
Things people ask before applying.
A term loan hands you one lump sum and you pay it back on a fixed schedule whether you used it yet or not. A line of credit gives you ongoing access up to a limit. You draw, repay, and draw again as the business dictates, and interest only applies to what is outstanding at any given time.
No. Plenty of our clients never touch their line until a specific situation calls for it. An idle line usually costs nothing beyond a small annual maintenance fee from the lender, if that.
Most lines fund in 24 to 72 hours once your underwriter has the paperwork they need. The higher the limit and the more hands-on the lender, the longer the file takes to move through committee.
Smaller lines are typically unsecured. Once you get into the mid-six figures and above, lenders usually want a business guarantee or a personal guarantee. Your underwriter walks you through the specific structure before you sign anything.
Often stacked with this one.
Short Term Business Loans
Capital in hand inside 72 hours when the rate is not the point and the clock is. Three to eighteen month terms, daily or weekly repayment, real approval criteria.
Read the brief →Small Business Loans
Lump-sum capital for whatever the business actually needs. Fixed payments, flexible use, and funding inside a week when the file is clean.
Read the brief →Asset Based Lending
Revolving capital backed by your receivables, inventory, and equipment. Built for asset-heavy operators and companies in transition, where cash-flow lenders will not move.
Read the brief →Ready to apply for business line of credit?
One application puts every product on the table your underwriter handles the rest.
Soft credit pull. No hard inquiry unless you accept terms.