Business Lines of Credit
Need funding on standby? A business line of credit gives you flexible access to capital when you need it most — without locking you into a large lump-sum loan. Draw what you need, when you need it, and only pay interest on what you use.
Whether it’s for payroll, inventory, marketing, or seasonal expenses, your line is always there ready to help your business move forward.
Key Details
Max Credit Line
$5K – $3M
Payback Terms
6 Months – 3 Years
Funding Time
As little as 1 day
Repayment
Weekly or Monthly
Type
Revolving Line — reuse funds without reapplying
Credit Pull
Soft
How It Works
A business line of credit functions much like a credit card, but with better flexibility and often better rates. Once approved, you can draw funds at any time up to your credit limit. As you repay what you’ve used, your available balance resets, no need to apply again.
The best part? Most of our lines are simple interest, meaning paying back early saves you a lot of money, and every payment helps build your business credit profile.
Simple Interest
Revolving Line of Credit
Unsecured (Not tied to any asset and no collateral required, based purely on the reliability of the business itself)
Why Businesses Use Lines of Credit
Highly Cost Effective
You’re not charged interest on unused funds, so you stay in control of costs.
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.
Is a Line of Credit Right for You?
Lines of credit are ideal for:
Businesses with seasonal revenue swings
Companies that want to avoid paying interest on full loan amounts
Owners looking for flexible funding without reapplying
Startups and newer businesses (qualify for shorter terms)
More established businesses (may access longer terms and higher limits)
What Do You Qualify For?
Not sure if a term loan is your best option? Let’s find out. Our team will help assess your goals and match you with the program that fits — no hard credit pull 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
Our friendly team would love to hear from you.
