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Line of Credit – Flexible Funding When You Need It

Access up to $500k in flexible credit. Only pay interest on what you use.

What is a Line of Credit?

A line of credit is a flexible financing tool that provides your business with access to a predetermined credit limit that you can draw from whenever needed.

Unlike a term loan where you receive a lump sum, a line of credit works more like a credit card — you only pay interest on the amount you actually use.

This makes it perfect for managing seasonal cash flow needs, covering unexpected expenses, or supporting gradual business growth initiatives.

Business Line of Credit

Benefits of a Line of Credit

True Flexibility

Draw funds whenever you need them. If you don't use the credit, you don't pay for it. Perfect for seasonal or uncertain expenses.

Renewable Funds

As you repay what you've borrowed, your available credit is restored. It's like having a revolving source of capital.

Competitive Rates

Interest rates are typically lower than many short-term loans, and you only pay interest on what you draw.

Quick Access

Once approved, you can instantly access funds through your credit account whenever your business needs it.

Business Line of Credit Requirements

Line of Credit Requirements

  • Minimum Credit Score: 600 (FICO)
  • Minimum Annual Revenue: $150,000
  • Time in Business: At least 1 year
  • Business Type: For-profit businesses (all entity types eligible)
  • Availability: 28 states
  • Credit Limit: $10,000 – $500,000

*Your actual credit limit will depend on your business financials and creditworthiness. Availability may vary by state.

Line of Credit Process

Access flexible business funding in a few simple steps.

1

Get Pre-Qualified

Complete our quick 5-minute online application to see if your business qualifies.

2

Receive Credit Offer

We'll evaluate your business finances and offer a credit limit tailored to your needs.

3

Accept Terms

Review and accept the agreement outlining your credit limit, rates, and repayment terms.

4

Access Your Funds

Withdraw funds anytime through our online platform or debit card.

5

Pay Only What You Use

Interest only accrues on the amount you draw from your credit line.

6

Replenish as You Repay

As you repay borrowed funds, your available credit is restored for future use.

Line of Credit Frequently Asked Questions

Everything you need to know about business lines of credit.

What's the difference between a line of credit and a term loan? +
A line of credit is flexible — you draw what you need and pay interest only on what you use. A term loan provides a lump sum that you repay over a fixed period. LOC offers flexibility, while term loans provide predictable payments.
What can I use the credit for? +
You can use funds for inventory, equipment purchases, payroll, working capital, unexpected expenses, or any other business needs.
Is there a minimum I have to borrow? +
No. Once your credit line is approved, you can borrow any amount up to your limit or choose not to use it.
How quickly can I access funds? +
Once approved, funds are typically available within 24 hours through our online platform or debit card.
What happens if I don't use my full credit line? +
You are not charged anything. You only pay interest on the amount you actually draw from the credit line.

Get Flexible Financing Today

Access fast, flexible capital with our business line of credit.

Questions? Call +1 (888) 563-3723