Business Line
of Credit
A revolving credit facility that's there when you need it. Draw only what you need, pay interest only on what you use, and as you repay your available credit replenishes automatically.
Capital That's There
When You Need It
A business line of credit gives you a maximum credit limit — up to $1,000,000 — that you can draw from at any time. Take what you need today, leave the rest untouched for later. You only pay interest on the amount you actually draw, not on your full credit limit.
As you repay what you've drawn, that amount becomes available again. It's revolving access to capital that works the way your business does — not on a bank's schedule.
A line of credit is ideal for businesses with ongoing or unpredictable capital needs: managing cash flow fluctuations, covering gaps between invoicing and payment, responding to opportunities quickly, or maintaining a financial safety net without paying for capital you're not using.
Line of Credit Details
Who Benefits Most from
a Line of Credit
Seasonal Businesses
Draw during slow periods, repay when revenue peaks. A line of credit is built for the natural rhythm of seasonal business cash flow.
Long Invoice Cycles
You've done the work but payment is 30, 60, or 90 days out. A line of credit bridges that gap without disrupting operations.
Opportunity-Driven Businesses
When a good deal comes along, you need to move fast. Having a credit line already in place means you never miss the opportunity.
Financial Safety Net
Keep a line available for unexpected expenses — equipment breakdowns, urgent repairs, sudden opportunities — without paying for capital you're not using.
Recurring Capital Needs
If you regularly need working capital throughout the year, a revolving line is more efficient than applying for a new term loan each time.
Growing Businesses
As your revenue grows, your credit access can grow with it. A line of credit that scales with your business is a powerful long-term financial tool.
Compare Your Funding Options
Term loan, line of credit, or SBA — here's how they stack up side by side.
| Working Capital Term Loan |
Line of Credit Revolving |
SBA 7(a) Government-Backed |
|
|---|---|---|---|
| Amount | $5K – $1M | $5K – $1M | |
| Structure | Lump sum, fixed term | Revolving credit limit | |
| Best For | One-time, defined need | Ongoing or variable needs | |
| Decision Time | 24–48 hours | 24–48 hours | |
| Repayment Term | Up to 60 months | Draw & repay as needed | |
| Interest Charged On | Full loan amount | Only what you draw | |
| Rate Profile | Fixed | Variable |
Line of Credit FAQs
Ready for a Line
of Credit?
Get pre-qualified in 24 hours with no hard credit pull.