Business Lines of Credit — Flexible, Revolving Capital
Access revolving credit lines with competitive rates. Borrow what you need, when you need it, and only pay for what you use. Perfect for managing cash flow and unexpected expenses.
Get Pre-Approved in Minutes
$500K
Max Credit Line
24 hrs
Approval Time
95%
Approval Rate
550+
Min. Credit Score
What Is a Business Line of Credit?
A business line of credit is a revolving form of financing that gives you access to a set amount of capital that you can draw from as needed. Unlike a term loan, you only pay interest on the amount you actually use, and once you repay the drawn amount, it becomes available again for future use.
How Does a Business Line of Credit Work?
You are approved for a maximum credit limit (e.g., $100,000). You draw funds as needed up to that limit. You pay interest only on the amount drawn. As you repay, your available credit is replenished. Use the funds for any business purpose.
Benefits of a Business Line of Credit
Flexibility to draw funds as needed, pay interest only on what you use, reusable credit once repaid, great for managing cash flow gaps, no collateral required for most lines, and quick access to capital when opportunities arise.
Who Should Get a Business Line of Credit?
A line of credit is ideal if you have variable or seasonal cash flow, need funds for ongoing operational expenses, want a financial safety net for emergencies, or prefer to pay interest only on what you actually borrow.
LOC Qualifiers
- 6+ months in business
- $15,000+ monthly revenue
- Active business bank account
- Credit score 550+
- US-based business
- No recent bankruptcies