Business Line of Credit

Flexible funds, ready when you need them.

A revolving credit line you can draw from anytime — before you need it, not after. Pay for what you use, replenish your available credit as you repay, and never scramble for cash flow again. It's the safety cushion every growing business wishes it had.

Amount: $10K – $250K
Funding speed: 1–3 business days
Minimum: 600+ credit score

Check my options

Checking your options won't affect your credit score.

Why businesses choose it

Draw funds on demand

Once your line is approved, request a draw whenever you need it — for inventory, payroll, or an unexpected bill. Funds typically land in your account within 1–3 business days.

Only pay for what you use

You're charged on the amount you draw, not your full credit limit. Leave the rest untouched and it costs you nothing.

Credit that replenishes

As you repay what you've drawn, your available credit builds back up — ready for the next opportunity without a new application.

A cushion that grows with you

Many providers review your limit over time based on repayment history and revenue, so your line can grow as your business does.

Line of credit vs. a traditional business loan

	Business Line of Credit	Traditional bank loan
How you receive money	Draw as needed, up to your limit	One lump sum upfront
What you pay on	Only the amount you've drawn	The full loan balance from day one
After you repay	Credit becomes available again	You'd need a brand-new loan
Interest cost	Only on outstanding draws	On the entire loan amount
Best for	Ongoing, unpredictable needs	One large, planned expense

Who it works for

Businesses with seasonal swings or uneven cash flow
Owners who want a standby cushion before emergencies hit
Companies chasing supplier discounts or bulk-buy opportunities
Businesses 6+ months old with consistent monthly deposits
Anyone tired of re-applying for a new loan every few months

Repayment your way

Each draw is repaid on a schedule you agree to upfront — commonly weekly or monthly installments over 6 to 12 months, depending on the provider. Terms are set out in writing before you accept, so you always know the full cost before you draw.

Common uses

Managing cash flow gaps
Seasonal inventory
Short-term projects
Emergency expenses
Taking advantage of supplier discounts
Bridging gaps between invoices

What you'll need

600+ personal credit score
6+ months in business
Consistent monthly deposits
Last 3 months of business bank statements
Photo ID

How it works

1
Tell us about your business and the credit limit you're looking for — the application takes about two minutes.
2
Funding providers review your revenue, deposits, and credit to approve you for a limit.
3
Compare offers and accept the line that fits your business.
4
Draw funds whenever you need them. As you repay, your available credit replenishes for next time.

Questions about business line of credit

Do I pay anything if I don't draw?

It depends on the provider. Many lines charge interest only on what you use, though some may include a small maintenance fee. A specialist can walk you through each offer's exact terms.

How is this different from a loan?

A loan gives you one lump sum that you repay once. A line of credit lets you borrow repeatedly up to your limit — repay, redraw, and reuse without a new application each time.

How much can I get approved for?

Limits are sized from your revenue, deposit history, time in business, and credit profile. Most approved businesses qualify for limits between $10K and $250K.

How fast can I use my line?

Once approved, initial draws typically arrive within 1–3 business days, and many providers make subsequent draws even faster.

Can my limit grow?

Many providers review limits over time based on your repayment history and revenue, so a healthy track record can unlock a larger line.

What can I use it for?

Almost any business purpose — inventory, payroll, marketing, repairs, or bridging slow seasons. Draws are repaid on a fixed schedule regardless of how you use them.

Ready to see what you qualify for?