Business Line of Credit

Cash on standby. Interest only on what you use.

Get approved once, then draw funds whenever you need them — in minutes. Pay it down, and it's there again. It's the working-capital safety net every owner should have before they need it.

Open my line LOC vs. RBF

Two business partners standing in their shop

$120,000
revolving line

$10K – $500K

Limits based on revenue, time in business and bank health.

Revolving

Repay and your available credit replenishes automatically.

Draw in minutes

Request a draw from your dashboard; funds typically land same or next day.

Pay for what you use

No draws, no cost. Interest accrues only on your outstanding balance.

How a line works

Approve once. Use forever.*

Think of it as a pre-approved pool of capital you control. Draw $5K for a rush order today, $40K for a new hire next quarter, nothing in between.

Credit limit: your maximum available balance (e.g. $100,000)
Draws: take any amount up to your limit, whenever you need it
Repayment: weekly or monthly payments on the outstanding balance, typically over 6–24 months
Replenishment: every payment frees up credit you can draw again

*Lines are reviewed periodically and may be renewed, increased or adjusted based on business performance.

Minutes
to draw funds

Which one is for me?

Line of credit vs. revenue-based financing

	Line of Credit	Revenue-Based Financing
Best for	Ongoing flexibility, seasonal gaps, "just in case"	One-time lump sum for a specific project or purchase
How you receive funds	Draw as needed, repeatedly	Single deposit up front
How you pay	Weekly/monthly on the balance you've used	Fixed % of sales until paid
Cost when unused	$0	n/a — funds are disbursed at once
Typical qualification	12+ months in business, 600+ credit	6+ months in business, 500+ credit
Speed	Approval in 1–2 days; draws in minutes after	24–48 hours

Not sure? Plenty of owners keep both — an RBF for the big move, a line for everything else. Ask an advisor →

Quick answers

Line of credit FAQ

Do I pay anything if I never draw?

No. With most of our line programs there's no cost to keep the line open and unused. Some partner lines carry a small annual or draw fee — we'll disclose that before you accept.

How fast can I access funds after approval?

Once your line is open, draws are typically deposited the same or next business day.

Can my limit go up?

Yes. Lines are reviewed regularly, and consistent repayment plus revenue growth usually earns a higher limit.

Is a personal guarantee required?

Most business lines require a personal guarantee from the owner, but no specific collateral (like property or equipment) is pledged.

Open a line before you need it.

Approval in 1–2 days. No cost until you draw.

Apply now Call [PHONE NUMBER]