Business Line of Credit for Maximum Flexibility
Access capital when you need it with a revolving credit line. Perfect for managing cash flow and unexpected expenses.
What is a Business Line of Credit?
A business line of credit provides flexible access to funds up to a predetermined limit. Unlike a traditional loan, you only pay interest on the amount you actually use, and as you pay it back, the funds become available again.
This revolving credit facility is perfect for managing cash flow fluctuations, covering unexpected expenses, taking advantage of growth opportunities, or maintaining working capital during seasonal variations in your business.
Line of Credit vs. Traditional Loan
Business Line of Credit
- Pay interest only on funds used
- Revolving credit - reuse as you pay back
- Flexible draw periods
- Perfect for short-term needs
- Quick access to approved funds
Traditional Business Loan
- Receive full amount upfront
- Fixed monthly payments
- Interest on entire loan amount
- Better for specific large purchases
- Longer approval process
Key Features & Benefits
Flexible Access
Draw funds when you need them, up to your approved credit limit.
Interest Only on Usage
Pay interest only on the amount you actually use, not the full credit line.
Revolving Credit
As you pay back funds, they become available to use again.
Quick Fund Access
Once approved, access funds instantly through online banking or checks.
Competitive Rates
Enjoy competitive interest rates and transparent fee structure.
Build Business Credit
Responsible usage helps build and improve your business credit profile.
Perfect Use Cases for Lines of Credit
Business lines of credit are ideal for various business situations and financial needs.
Cash Flow Management
Bridge gaps between receivables and payables to maintain smooth operations.
Inventory Purchases
Stock up for busy seasons or take advantage of bulk purchase discounts.
Emergency Expenses
Handle unexpected costs like equipment repairs or urgent maintenance.
Growth Opportunities
Quickly capitalize on new business opportunities or market expansion.
Seasonal Businesses
Manage seasonal cash flow variations and prepare for peak periods.
Working Capital
Maintain adequate working capital for day-to-day business operations.
Qualification Requirements
Basic Requirements
- Minimum 1 year in business
- Monthly revenue of $20,000+
- Business bank account
- Valid business registration
Preferred Qualifications
- Credit score of 650 or higher
- 2+ years in business
- Strong cash flow history
- Profitable business operations
- Low debt-to-income ratio
Simple Application Process
Get approved for your business line of credit in just a few easy steps.
Apply Online
Complete our quick online application with basic business information.
Submit Documents
Provide required financial documents through our secure portal.
Get Approved
Receive approval decision and your credit line limit within 24-48 hours.
Get the Financial Flexibility You Need
Apply for a business line of credit today and have funds ready when opportunities arise.