Line of Credit for small business.
A business line of credit gives you a revolving credit limit you can draw against, repay, and draw again. You only pay for what's outstanding, not the full limit.
Funding range
$10K–$500K
Term
Revolving, 6–24 month draw periods
Speed
Initial approval in 24–48 hours
How it works
How line of credit works
You apply once and receive a credit limit. Each draw can be requested online and typically funds the same or next business day. Repayments restore your available balance.
Structure
How this product is structured
What you receiveA revolving credit limit, drawable on demand
RepaymentDraw-and-repay; each draw amortizes over its own term
Typical term6–24 month draw period; per-draw repayment 6–12 months
CollateralUCC blanket lien typical; PG required
DisbursementSame or next business day per draw
Decision timeline1–2 business days for initial limit
Your offer document includes the full cost in dollars, the rate, the total payback, and the payment schedule, all in writing, before you sign.
What you'll need
To apply
- At least 12 months in business
- $20,000+ in monthly revenue
- FICO 600+ on the principal
- Business bank account
Who this is right for
Who line of credit fits
A line of credit fits businesses with recurring cash-flow gaps — payroll bridges, inventory restocks, short-cycle project starts. It is the most flexible product, but qualification is the strictest.