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Business Line of Credit

Flexible Funding, On Your Terms

Access a revolving credit line and draw only what you need, when you need it. Pay interest only on what you use — the smart way to manage cash flow and seize opportunities.

Your Credit Line LIVE
Available Credit
$0
Credit Used $35,000 / $150,000
$0 $150,000
Recent Draws
Draw Request
Today, 2:14 PM
+$15,000
Draw Request
Mar 10, 11:30 AM
+$20,000
Funds Available Instantly

How Business Line of Credit Works

Simple, transparent, and designed for speed

Submit Application
Credit Line Approved
Step One

Apply Online

Complete a short application and connect your business bank account for a quick review.

Application Reviewed
Credit Line Set
✓ Credit Line Active — Draw Funds
Step Two

Get Approved

Receive your credit limit within hours. Your revolving credit line is ready to use immediately.

Draw Requested✓ Sent
$25,000 depositedProcessing
Funds Available!Complete
Step Three

Draw & Repay

Draw funds anytime you need them. Repay and your credit replenishes — it's revolving, flexible capital.

Draw Only What You Need

Unlike lump-sum loans, a line of credit lets you draw funds as needed. You control exactly how much capital you access, keeping costs low and flexibility high.

  • Access funds anytime, 24/7
  • Pay interest only on what you draw
  • Revolving credit replenishes as you repay
  • No need to reapply for additional capital
Credit Dashboard
Available: $115,000
Draw Amount
$1,000$115,000
Funds ready to draw
Interest Calculator
Amount Drawn $35,000
Interest Rate Starting at 1.5%/mo
Unused Credit $0 cost
Only pay for what you use

Pay Interest Only on What You Use

With a line of credit, unused funds cost you nothing. You only accrue interest on the amount you've drawn, making it one of the most cost-efficient financing options available.

  • No interest on unused credit
  • Competitive rates starting at 1.5%/mo
  • Transparent fee structure
  • Lower overall cost of capital

Your Safety Net for Growth

Keep a credit line open as your financial safety net. Whether it's a surprise opportunity or an unexpected expense, you'll always have capital ready to deploy.

  • Bridge seasonal cash flow gaps
  • Seize time-sensitive opportunities
  • Handle unexpected expenses with ease
  • Ongoing support and increased limits
Credit Limit Increased
New limit: $200,000
Eligible
Draw Processed
$20,000 deposited to account
Complete
Payment Reminder
Next payment: $850 on Mar 15
Upcoming

Why Choose a Business Line of Credit?

We understand that flexibility is key. That's why our credit lines are built to adapt to your business needs as they evolve.

Revolving Access

Repay and draw again — your credit replenishes automatically as you pay down the balance.

Pay Only for Use

Interest accrues only on drawn funds. Unused credit stays available at no additional cost.

Fast Approval

Get approved quickly with minimal paperwork. Access your credit line within 1-2 business days.

No Reapplication

Once approved, draw funds anytime without having to reapply or submit additional paperwork.

No Collateral Needed

Access your credit line without pledging business or personal assets as security.

Partnership Approach

We grow with you — increased limits and better terms as your business demonstrates success.

What You'll Need to Qualify

Minimum of 6 months in business
$10,000+ in monthly revenue
U.S. business bank account
Business located in the U.S.
No open bankruptcies
Valid government-issued ID
Access to 4 months of bank statements
550+ credit score

Frequently Asked Questions

How is a line of credit different from a term loan?

A line of credit gives you revolving access to funds — you draw what you need, repay, and draw again. A term loan provides a one-time lump sum with fixed payments. Lines of credit are ideal for ongoing or unpredictable expenses, while term loans work best for specific, one-time investments.

How quickly can I access funds?

Once your credit line is approved and active, you can draw funds instantly — typically deposited to your business account within 1 business day. Subsequent draws are even faster since you don't need to reapply.

Do I pay interest on my full credit limit?

No. You only pay interest on the amount you've actually drawn. If your credit limit is $150,000 and you draw $30,000, you'll only pay interest on the $30,000. The remaining $120,000 stays available at no additional cost.

Can I increase my credit limit over time?

Yes! As your business grows and you demonstrate consistent repayment, we'll work with you to increase your credit limit. Many clients see their limits increased within 3-6 months of responsible use.

What can I use the funds for?

You can use your credit line for virtually any business purpose — managing cash flow gaps, purchasing inventory, covering payroll, investing in marketing, handling unexpected expenses, or seizing time-sensitive opportunities.

Is collateral required?

No collateral is required for our business lines of credit. Approval is based primarily on your business revenue and performance, not personal assets. This makes it accessible for businesses that may not have significant collateral.

Ready for Flexible Capital?

Get a revolving credit line tailored to your business. Apply now and access funds within hours.

Start Your Application →