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Business line of credit
A safety net you only pay for when you use it.
Draw what you need, repay it, and draw again. Built for uneven cash flow.
- How much
- Based on revenue and credit
- How fast
- Often within a few business days*
- Repay
- Revolving, as you draw
How it works
The short version.
A line of credit gives you a limit you can tap at any time. You pay only on what you draw, and as you repay, that money becomes available again.
It's the cleanest way to cover gaps between paying your costs and getting paid by your customers.
A good fit for
- Waiting on customer payments
- Seasonal inventory build-ups
- Unexpected repairs or expenses
- Owners who want access without carrying a balance
Compare
Line of credit vs. short-term funding
| Line of credit | Short-term funding | |
|---|---|---|
| Access | Draw any time up to your limit | Lump sum once |
| Cost | Only on what you use | Fixed on the full amount |
| Approval | Leans more on credit and history | Leans more on recent sales |
| Speed | Days | Often 1 to 3 days |
Getting started
What it usually takes.
Typical starting points. Stronger files usually unlock more.
Monthly revenue
$25K+ preferred
Time in business
1+ year
Credit
Fair or better
Questions
About business line of credit
Is there a cost if I don't draw?
Some lines charge maintenance or draw fees even with a low balance. We'll lay out every fee before you choose.
Can my limit go up?
Often, yes, after a period of on-time payments and steady revenue.
What if I don't qualify for a line yet?
Short-term funding can bridge the gap while you build the history a line requires.