Line of Credit
A revolving credit line that lets you draw funds as needed, repay, and reuse. You only pay interest on what you actually borrow, making it ideal for managing cash flow gaps.
- Fast, Flexible Access
- Pay Only for What You Use
- Reusable Credit Line
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How it works
A business line of credit is revolving: once approved, you draw funds as needed up to your limit, repay, and the available credit replenishes — much like a credit card built for business cash flow rather than a single purchase.
You only pay for what you actually draw, which makes a line a lower-cost option to hold in reserve compared to taking a lump sum you may not fully need.
Because it is meant to be reused, underwriting looks at ongoing revenue stability more than any single planned expense, and the line stays open as long as the account remains in good standing.
Best for
- Smoothing out unpredictable cash flow
- Having capital on standby for opportunities or emergencies
- Businesses that draw and repay repeatedly rather than borrowing once
- Avoiding interest on capital that isn't currently needed
Requirements
- Time in business: 1+ year typical
- Monthly revenue: consistent deposit history
- Credit profile: fair credit or better typically required
Is this right for you?
Pros
- Pay interest only on what you draw
- Reusable — no need to reapply each time
- Good for standby capital
Cons
- Credit limit may be lower than a lump-sum loan
- Requires ongoing account maintenance
Line of Credit FAQ
No — interest applies only to the amount you've actually drawn, not your total available limit.
Many lines can grow as the business builds a track record with on-time repayment. Your specialist can outline the specific terms.
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