Business Lines of Credit

Need access to funding when opportunities arise? A business line of credit gives you flexible access to capital without committing to a large lump-sum loan. Use what you need, when you need it, and only pay interest on the amount you borrow.



From payroll and inventory to marketing and seasonal expenses, your line of credit is always available to support your business as it grows.

Key Details

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Payback Terms

6 Months – 3 Years

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Max Credit Line

$5K – $3M

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Funding Time

As little as 1 day

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Type

Revolving Line — reuse funds without reapplying

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Credit Pull

Soft Pull

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Repayment

Weekly or Monthly

How It Works

A business line of credit works much like a credit card, but with greater flexibility and often more competitive rates. Once approved, you can access funds anytime up to your credit limit. As you repay what you’ve borrowed, your available balance is restored — without the need to reapply.


One of the biggest advantages is that many of our lines use simple interest. This means paying off your balance early can save you money, while each payment also helps strengthen your business credit profile.

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Simple Interest

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Unsecured (Not tied to any asset and no collateral required, based purely on the reliability of the business itself)

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Revolving Line of Credit

Revolving Access

Use it. Repay it. Use it again. Simple.

Funds available on demand 

Need funds fast? Your line of credit is available when you need it.

Why Businesses Use Lines of Credit

Highly Cost Effective 

No charged interest on unused funds, so you stay in control of costs.

Ready To Go? Apply Now!

Is a Line of Credit Right for You?

Lines of credit are ideal for:

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Businesses with seasonal revenue swings

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Companies that want to avoid paying interest on full loan amounts

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Owners looking for flexible funding without reapplying 

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Startups and newer businesses (qualify for shorter terms) 

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More established businesses (may access longer terms and higher limits) 

What Do You Qualify For?

Unsure whether a term loan is the right fit for your business? Our team will review your goals and connect you with the best funding option — with no hard credit check required.


Minimum Requirements:

  • Business must operate in the U.S. or Canada
  • Business bank account required (for most programs)
  • No open bankruptcies
  • No lender defaults in the last 12 months

Let's Get You Funded