Business Line of Credit Up to $250K
Revolving access to capital that works like a safety net for your business. Draw funds when you need them, pay only for what you use, and replenish your credit as you repay.
Key Benefits
Flexible capital on your terms
A business line of credit gives you the financial flexibility to handle whatever comes your way — from seasonal cash flow dips to unexpected growth opportunities.
Revolving Access to Capital
Draw funds whenever you need them, repay, and draw again. Your credit line replenishes as you pay it down, giving you ongoing access to working capital.
Pay Only for What You Use
Unlike a term loan, 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.
Same-Day Fund Access
Once your line is established, access funds the same day you request them. Transfer capital to your business account whenever the need arises.
No Draw Minimums
Draw as much or as little as you need. There are no minimum withdrawal requirements and no penalty for not using your full credit line.
Increase Over Time
Many lenders in our network offer automatic credit line increases based on your payment history and business performance. Start small and grow.
Renewable Terms
Most lines of credit in our network come with renewable 12 to 36 month terms. Continue using your credit line as long as your business needs it.
Qualifications
See if you qualify
Business lines of credit are available to a wide range of businesses. If you meet these minimum requirements, our lender network likely has options for you.
Time in Business
6+ months
Monthly Revenue
$10,000+
Credit Score
580+
Industries
Most accepted
How It Works
Three steps to your credit line
From application to your first draw, the entire process can take as little as one business day.
Submit a Quick Application
Tell us about your business in under 2 minutes. No financial documents are needed at this stage, and there is no impact on your credit score.
Review Your Credit Line Offers
Our matching engine sends your application to 300+ lenders. Compare revolving credit offers side by side with full transparency on rates and terms.
Activate and Draw Funds
Accept your preferred offer, e-sign your agreement, and start drawing funds immediately. Access capital whenever you need it going forward.
FAQ
Business line of credit questions
How does a business line of credit work?
A business line of credit works similarly to a credit card but with lower rates and higher limits. You are approved for a maximum credit amount, and you can draw any portion of that amount whenever you need funds. You only pay interest on the money you actually withdraw, not the full credit limit. As you repay what you have drawn, those funds become available again for future use. This revolving structure makes it ideal for managing ongoing cash flow needs.
What is the difference between a secured and unsecured line of credit?
An unsecured line of credit does not require collateral, making it faster to obtain and less risky for the borrower. However, unsecured lines typically have lower limits and slightly higher rates. A secured line of credit is backed by business assets (such as inventory, equipment, or accounts receivable) and may offer higher credit limits and lower rates. Through our lender network, most lines of credit up to $100K are available unsecured.
Can I use a line of credit for payroll?
Yes. A business line of credit can be used for virtually any business expense, including payroll, inventory purchases, marketing, equipment repairs, rent, taxes, and unexpected expenses. Many business owners use their line of credit specifically as a payroll safety net, ensuring they can always cover employee wages even during slow revenue periods.
How quickly can I access my funds after approval?
Once your line of credit is established, most lenders in our network allow same-day or next-business-day fund transfers. The initial setup and approval process typically takes 1 to 3 business days. After that, you can draw funds on demand through an online portal or by contacting your lender directly. Many of our lending partners also offer mobile access for on-the-go fund management.
Get flexible capital on demand
Apply in 2 minutes and compare revolving credit offers from multiple lenders. No obligation and no credit impact.