
Easy Application
Fast Approvals
No Impact on FICO
What is a business line of credit?
Think of a business line of credit as your financial safety net—and your secret weapon. It’s not like a traditional loan where you get a lump sum and start paying interest on the whole thing. Nope, this is way smarter. With a line of credit, you get a revolving limit to pull from whenever you need it. Only borrow what you need, when you need it, and guess what? You only pay interest on the amount you actually use. Pretty sweet, right?
It’s the ultimate tool for handling the day-to-day curveballs of running a business. Need to cover payroll during a slow month? Done. Stocking up on inventory for a big season? Easy. It’s flexible, fast, and there when you need it most—kind of like that one friend who always comes through in a pinch. So, whether it’s smoothing out cash flow, covering unexpected expenses, or jumping on a surprise opportunity, a business line of credit keeps you in control without breaking a sweat.
Revolving

Get Funded
Use it
Draw what you need
Repay it
Key Benefits of Unsecured Funding
Flexibility in usage
A business line of credit can be used for a variety of purposes, such as managing cash flow, covering payroll, purchasing inventory, or funding unexpected expenses. Unlike traditional loans, you're not locked into a specific use for the funds.
Revolving access to funds
As you repay what you've borrowed, the credit becomes available again. This revolving structure ensures funds are there when you need them, without having to reapply.
Pay interest only on what you use
Unlike a lump-sum loan, you only pay interest on the amount you draw from your line of credit. This makes it a cost-effective solution for short-term needs.
Supports business growth
Our line of credit helps bridge the gap between receivables and payables, ensuring smooth operations during cash flow crunches.


Whether you're covering payroll during slow months or purchasing inventory for peak seasons, a line of credit offers the flexibility and speed your business demands.

Why Choose Our Business Line of Credit?
Every business has it own unique financial needs. That’s why we provide small business owners with funding solutions like our fast and reliable business line of credit designed to offer flexibility, transparency, and personalized support. Here’s what sets us apar
Fast Approval
Get the funds you need without the wait. Our streamlined application process delivers funding decisions in as little as 24 hours, so you can focus on running your business—not waiting for approvals.
Transparent Terms
No surprises, no hidden fees. Our business lines of credit feature clear terms and straightforward repayment plans, giving you complete control and confidence over your financing
Versatile Financing
Use your credit line for anything your business needs—whether it’s purchasing inventory, upgrading equipment, managing payroll, or handling unexpected repairs. You have the freedom to spend where it matters most.
Tailored Credit Limits
We provide credit lines ranging from $5,000 to $250,000, customized to match your business's current needs and growth goals.
How Does a Business Line of Credit Work?
Understanding how a line of credit operates is key to making the most of it. Here’s a simple breakdown:




Approval:
Once approved, you’ll be assigned a credit limit based on your business revenue, creditworthiness, and needs.
Withdraw Funds
Access funds anytime, whether online or through a mobile app.
Repayment:
Pay back what you’ve borrowed, plus interest, in flexible installments.
Reuse:
Your credit limit replenishes as you repay, giving you ongoing financial support.
Pro Tip: Unlike fixed-term loans, a line of credit for business is ideal for ongoing needs rather than one-time expenses
Is a Line of Credit Right for You?
A business line of credit can be a game-changer, but is it the right fit for your needs? If you’re looking for a flexible way to handle cash flow gaps, cover unexpected costs, or seize growth opportunities, it might be just what you need.
Seasonal Businesses
Manage cash flow during slow periods and gear up for peak seasons with ease.
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Seasonal Slowdowns: For businesses with seasonal revenue fluctuations, a line of credit can help cover expenses during off-peak times.
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Bridging Gaps: If you're waiting on invoices to be paid but need funds for payroll or other urgent expenses, a line of credit can bridge the gap.
Cash Flow Managers
Smooth out day-to-day operations by covering recurring expenses.
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Bulk Purchases: A line of credit can cover the upfront cost of large supply purchases, especially if buying in bulk saves money in the long term.
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Slow Periods for Service Businesses: For service-oriented businesses, a line of credit can help maintain steady operations when client demand dips.
Growing Businesses
Access funds quickly to seize opportunities, hire new staff, or invest in equipment.
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Expand Operations: Use funds to hire staff, open a new location, or invest in tools and technology to scale your business.
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Marketing and Sales Initiatives: Launch campaigns, attend trade shows, or purchase advertising to attract new customers and drive revenue growth.
Businesses Facing Unexpected Costs
Handle surprise expenses confidently without disrupting your operations.
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Expand Operations: Use funds to hire staff, open a new location, or invest in tools and technology to scale your business.
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Marketing and Sales Initiatives: Launch campaigns, attend trade shows, or purchase advertising to attract new customers and drive revenue growth.
How to apply for a business line of credit






Apply online
Fill out our online application providing some basic information about you and your business..
Upload Documents
Provide the necessary documents about your businesses sales history and cash flow cycles.
Get Approved
One of our funding experts will contact you to go over your approval.
Access Funds
Request funds in a click, and see approved draws in your account in as fast as 24 hours
Repay And Access Again
Repay automatically on a fixed schedule, make additional manual payments without fees. Your credit line replenishes as you make repayments.