Lines of Credit

Business Lines of Credit — Draw What You Need, When You Need It

Seasonal dip. Late invoice. A deal you need to move on today. A line of credit gives you access to capital on your terms. Draw what you need, pay it back, and reuse it. From unsecured lines of credit to true bank lines.

Instant access, no reapplication, pay only what you draw
Only pay interest on what you draw
No hard credit pull to apply
Reusable: draw, repay, repeat

$1.5M

Max Line

1–3 Yr

Terms

Revolving

Draw & Repay

Revolving

Access

5.0 ★★★★★

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Business owner with line of credit funding

Simple Process

How It Works

From application to funding - transparent, fast, and built around you.

Apply in 2 Minutes

Quick application. No hard credit pull. No obligation. We just need the basics to start finding your best options.

Review Your Options

We get you pre-approved across our lender network and present your best options so you can make an informed decision. Full transparency on rates, terms, and total cost.

Get Funded

Choose the option that fits your business. Sign your docs and get funded in as little as 24 hours.

Pre-Approved

Credit Line Approved

$70,000

Revolving Line - Draw as Needed

Draw Period 18 months

Weekly Payment $412.50

Available Now $70,000

Draw Funds

Line of Credit Programs

Revolving Credit Matched to Your Cash Flow

We connect you with lenders offering revolving lines of credit. Draw, repay, and reuse as your business needs change.

Revolving Credit

$5K – $1.5M

Draw, repay, and reuse. Only pay interest on what you actually use.

Repayment

Weekly or Monthly

Repay on a schedule that matches your revenue cycle and cash flow.

Access Speed

Draw Funds Same Day

Once your line is established, draw funds and receive them same day.

Matched to Your Industry and Profile

Different industries have different cash flow patterns. We know which lenders specialize in your space and match you to the right revolving credit program based on your revenue, industry, credit, and how your business actually operates. One application, and we do the rest.

Plan Your Funding

Estimate Your Line of Credit

Use the calculator to explore options, then see if you meet the baseline qualifications.

Line of Credit Calculator

Estimate your cost based on credit limit, draw amount, and rate.

Credit Limit $100,000

Draw Amount $50,000

Monthly Interest Rate 1.5%

Monthly Interest Cost $750

Available to Draw $50,000

Annual Cost (if fully drawn) $18,000

Who Qualifies?

Baseline requirements across our lender network.

Credit Score

600+

Time in Business

1+ Year

Annual Revenue

$200K+

Bank Account

Active Business Checking

These are minimums across our lender network. Many of our clients exceed these thresholds and qualify for better rates and terms.

Strongest profiles: 3+ years in business, $250K+ annual revenue, and 650+ credit score. But every client is different. We work with lenders who evaluate the full picture.

Client Success Stories

Breaking the MCA Cycle

Weekly Payments Cut $300-$500, Out of the Debt Trap

"That's the power of working with one person over time."

A Maryland restaurant owner was stuck in the MCA loop. High balances, brutal weekly payments, and no way out. We found a 12-month line of credit program that could sit alongside existing debt without requiring a full buyout. Reduced weekly payments by $300-500, paid off one MCA entirely, and positioned them to refinance the rest into better terms as they rebuilt.

Seasonal Cash Flow

Bridged a 3-Month Revenue Gap Without Touching Reserves

"We knew business would pick back up. We just needed to get through winter."

A landscaping company faces the same problem every year. Revenue drops from November through February, but expenses don't. Instead of draining savings, we matched them with a revolving credit line. They drew $40K to cover payroll and supplies, paid it back in full by May when contracts kicked in, and had the line ready for next winter.

Opportunity Capital

Locked in a Bulk Supplier Deal Worth $80K in Savings

"The deal was only good for 48 hours. Without the credit line, we would have missed it."

A wholesale distributor got offered a one-time bulk purchase discount that would save them $80K, but they needed $200K in cash within 2 days. Their line of credit was already in place. They drew the funds same-day, locked in the deal, and repaid the balance within 60 days from the margins on resale.

Invoice Gap

Covered $150K in Payroll While Waiting on Net-60 Invoices

"Our clients pay on time. Just not fast enough for payroll."

A staffing company had $400K in outstanding invoices. All solid, all collectible, but all on net-60 terms. Payroll couldn't wait. We set them up with a $200K line of credit to bridge the gap. They draw against it every pay period and repay as invoices clear. No more cash flow anxiety.

Emergency Backup

$75K Line Sat Untouched for 6 Months — Then Saved the Business

"I didn't think I'd need it. Then the roof caved in. Literally."

A retail store owner opened a $75K line of credit as a safety net. Six months later, a storm damaged the building and insurance was slow to process. They drew $45K to cover emergency repairs and keep the store open. Paid it back when the insurance check arrived. Zero disruption to revenue.

Compare Your Options

Which Funding Product Fits?

Not sure if a line of credit is the right move? Here's how it stacks up against other options we offer.

	Line of Credit	Business Loan	SBA Loan	Equipment Financing
Amount	$5K – $1.5M	$5K – $5M+	$50K – $5M	$10K – $5M
Speed	1 – 3 days	As fast as 24 hours	2 – 6 weeks	3 – 7 days
Term Length	Revolving	6 – 60 months	10 – 25 years	2 – 7 years
Credit Score	600+	550+	680+	550+
Use of Funds	Working capital, cash flow, opportunities	Any business purpose	Restricted by SBA	Equipment only
Best For	Cash flow gaps, seasonal needs, opportunity capital	Growth, expansion, payroll, debt consolidation	Large purchases, real estate, acquisitions	Vehicles, machinery, tools
		Learn More	Learn More	Learn More

Common Questions

Line of Credit FAQs

Straight answers. No fine print games.

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

A business loan gives you a lump sum upfront that you repay over a fixed term. A line of credit gives you a credit limit you can draw from as needed, repay, and reuse. You only pay interest on what you actually draw, not the full limit. Think of it like a business credit card, but with higher limits and lower rates.

How much can I qualify for?+

Lines of credit through our lender network range from $5K to $1.5M. The amount depends on your revenue, time in business, credit profile, and cash flow patterns. We match you to the highest limit you qualify for across our network.

Do I pay interest on the full credit limit?+

No. You only pay interest on the amount you actually draw. If you have a $100K line and draw $30K, you only pay interest on the $30K. Once you repay it, that $30K becomes available again.

Will applying hurt my credit score?+

No. Our initial application uses a soft credit pull, which does not affect your credit score. A hard pull only happens if you decide to move forward with a specific lender offer, and we always let you know before that step.

How quickly can I access funds once approved?+

Once your line of credit is established, most draws are available same-day or within 1 business day. The initial approval process typically takes 1 to 5 business days depending on the lender and documentation.

Can I use the line of credit for anything?+

Yes. Lines of credit are for general working capital: payroll, inventory, marketing, covering cash flow gaps, taking advantage of opportunities, or anything your business needs. There are no restrictions on use of funds.