Short-Term Loans
Need a fixed lump sum fast instead of a revolving line? A short-term loan delivers cash in 24–48 hours.
Learn moreBusiness Line of Credit.
A revolving credit limit you draw from whenever you need it — pay interest only on the balance you use, and your available credit refills as you repay.
What It Is
Working Capital On Tap.
A business line of credit works like a credit card built for operating capital. We approve you for a set limit, and you draw whatever you need, whenever you need it. You only pay interest on the balance you've actually used — not the full limit. As you repay, that capital refills and becomes available to draw again.
It's the most flexible product we offer. Instead of taking a lump sum and paying interest on money sitting idle, you keep a financial cushion ready for the moment you need it — a surprise repair, a payroll gap, or an inventory deal you can't pass up.
Best For
- Smoothing seasonal cash-flow swings
- Covering payroll and rent gaps
- Grabbing last-minute opportunities
- Keeping a reserve without lump-sum debt
The Process
How a Line of Credit Works.
01
Get Approved
Apply once and we set your revolving limit based on real cash flow — no obligation to draw a dollar.
02
Draw What You Need
Pull funds to your bank account in minutes, any time, up to your limit. Interest starts only on what you draw.
03
Repay & Refill
Make payments on the used balance. As you repay, that credit becomes available to draw again.
Rates & Terms
Credit limit $5,000 – $250,000
Draw term 6–24 months revolving
Rates from 1.25% / mo on balance
Draw fee 0–2% per draw
Funding speed Same / next business day
Prepayment penalty None
The Numbers.
Illustrative ranges. Actual limit, rate, and fees are set by underwriting based on your business profile.
Eligibility
What You'll Need.
Our baseline is simple, and a line of credit is one of our most accessible products.
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- Business bank account in good standing
Checking your options is a soft pull — it never affects your credit score. Most decisions land within hours.
Why Operators Choose It
The Benefits.
Draw On Demand
Pull funds whenever you need them, day or night, straight to your bank account.
Pay For What You Use
Interest accrues only on your drawn balance — idle credit costs you nothing.
Refills Automatically
Repay and your available credit comes right back — no reapplying.
No Prepayment Penalty
Pay down your balance early to save on interest, any time, no fees.
Always Ready
A standing reserve means you never scramble when an emergency hits.
Builds Credit
Responsible use and on-time payments strengthen your business credit profile.
Questions
Line of Credit FAQ.
No. You only pay interest on the portion you've actually drawn. If you're approved for $100,000 but only draw $20,000, you pay interest on the $20,000 — the rest sits ready at no cost.
Once your line is open, draws typically hit your account the same or next business day. The initial approval can be completed in as little as a few hours after you apply.
Yes. With a track record of on-time payments and growing revenue, we regularly review accounts for limit increases — often without a new full application.
No. Checking your options is a soft inquiry that never affects your score. A hard pull only happens if you accept a specific offer.
Compare Options
Related Funding.
Merchant Cash Advance
Strong card sales? Get an advance that repays as a percentage of daily revenue.
Learn moreInvoice Factoring
Waiting on net-30/60/90 invoices? Turn receivables into same-day cash without new debt.
Learn moreCommon industries that use a line of credit: Construction, Retail, and Restaurants.
Keep Capital Ready.
Open a line of credit and draw the moment you need it.