Home / Business Line of Credit

Business Line of Credit

Draw what you need, when you need it. Repay, and the room comes back.

U.S.-based advisorsOne person, start to finish

Funding in 24 hoursOn most approved applications

Transparent termsTotal cost shown before you sign

12+ years in businessFunding U.S. small businesses since 2014

At a glance

Money that stays ready between the busy weeks

A revolving limit that sits ready between busy seasons. You only pay for the portion you draw, and every repayment restores your available room.

Best suited to: Uneven cash flow, restocking, payroll gaps, and the expenses you can’t schedule.

Amount$6,000 – $250,000
Repayment12, 18 or 24 months per draw
Draw speedFunds move in seconds
Payment scheduleWeekly
Cost structureInterest on the drawn balance only
PrepaymentNo penalty for early repayment

Apply for Line of Credit Talk to an advisor

Small business owner counting stock and writing on a clipboard in a storage room

What you get

How this option works in practice

Your limit refreshes as you repay — no need to reapply for each need.
Draw any amount up to your limit from your dashboard, day or night.
You pay interest only on what you actually draw, not the full limit.
A single application establishes the line; later draws take seconds.
No penalty for paying a draw down ahead of schedule.

How it works

Three steps, one advisor, no runaround

See the full process

Tell us about your business

A short application — business details, what the funds are for, and a connection to your business bank account so we can see real revenue. Most owners finish in under ten minutes.

Talk to a real advisor

A U.S.-based advisor reviews your file and calls you. They walk you through which of the five options fit, what each one actually costs, and which they’d pick in your position.

Sign and get funded

Choose your option and sign electronically. On most approved applications funds are on the way the same business day.

What we look at

Four things, and none of them are a mystery

We look at how your business actually performs — time in operation and real revenue in the bank — not at a number on a report.

12 years in business

Your business has been operating and generating revenue for at least twelve years.

$100,000 annual revenue

Gross annual revenue of $100,000 or more, evidenced by your recent bank statements.

Business checking account

An active business bank account in the legal name of the company.

U.S.-based operation

Your business is registered and operating in the United States.

Questions

About line of credit

Draw requests submitted from your dashboard are processed immediately. Depending on your bank’s posting schedule, funds typically arrive the same business day.

You are charged only on the balance you have drawn. An undrawn line does not accrue interest.

For a line of credit, term loan, merchant cash advance or equipment financing, most approved applications are funded within 24 hours, and many the same business day. SBA loans are the exception — those run 30 to 90 days because of the documentation and review the programs require.

Nothing. There is no application fee and no obligation to accept anything you are offered. You will see the complete cost of capital before you sign a funding agreement.

Four things: at least twelve years in business, $100,000 or more in gross annual revenue, an active business checking account in your company’s name, and a U.S.-based operation. Your advisor will tell you exactly which products fit.

Other options