Business Line of Credit
Flexible funds, on demand
Credit line
$10K – $250K
Interest
On used funds
Access
Instant draws
Overview
A line of credit is a revolving pool of capital you can tap whenever you need it. Unlike a loan, you're not taking a lump sum up front — you draw exactly what you need, when you need it, and only pay interest on the balance you actually use.
As you repay, your available credit replenishes, so it becomes a standing safety net for unpredictable costs and short-term opportunities without having to reapply each time.
Key highlights
- Draw only what you need
- Pay interest on used funds only
- Revolving access
- Ideal for sudden costs
What it's best for
Handle surprise repairs
Cover an unexpected equipment breakdown the same day it happens.
Smooth uneven months
Draw during lean weeks and repay when cash comes back in.
Jump on a quick deal
Fund a time-sensitive inventory or vendor opportunity instantly.
Typical requirements
- 6+ months in business
- $10K+ average monthly revenue
- Business bank account
- Fair or better payment history
Requirements are guidelines, not hard cutoffs — we look at the whole business. Prequalifying never affects your credit score.
Frequently asked
Do I pay interest on the full line?
No — you only pay interest on the amount you've actually drawn.
Does the line refill?
Yes. As you repay your balance, that credit becomes available to use again.
Other funding options
Ready to move on Business Line of Credit?
Prequalify with no hard credit pull and get a decision in as little as 4 hours.
Get Started