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
Typical facility term
12–24 months
Timing
Initial approval as soon as 24–48 hours
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How it works

How a 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 facility term12–24 months
Per-draw repaymentIndividual draws may have shorter repayment schedules
CollateralUCC blanket lien often used; personal guarantee commonly required
DisbursementApproved draws may be available as soon as the same or next business day
Decision timelineInitial responses may be available as soon as 1–2 business days

The written offer and financing contract contain the economic terms that apply to this structure — including the total repayment where the structure establishes one — before you commit.

What you'll need

Typical profile

  • At least 12 months in business
  • $20,000+ in monthly revenue
  • Estimated personal credit score of 600+
  • Business bank account

Requirements vary by product, provider, and overall business profile.

Pricing & terms

What shapes your terms

No single number decides an offer. Underwriting weighs how these factors combine on your file:

  • Revenue level and deposit consistency
  • Time in business and industry
  • Existing obligations and payment history
  • Collateral or guarantees, where the structure uses them
  • Documentation completeness and overall file quality
  • The structure itself — pricing mechanics differ by product
Who this is right for

Who a 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.

Frequently asked questions

See your line of credit options

4 minutes. No credit pull at this stage.

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