Business Line of Credit

Flexible credit line for ongoing business expenses and cash flow management

Apply for Business Line of Credit
Key Benefits

Key Benefits

  • Access funds as needed up to your credit limit
  • Pay interest only on funds used
  • Revolving credit - repay and reuse
  • Quick approval process - decisions within 24-48 hours
  • No collateral required for qualified businesses
  • Online account management
Ideal For

Ideal For

  • Cash flow management and working capital needs
  • Inventory purchases and seasonal stock
  • Unexpected expenses and emergencies
  • Growth opportunities and expansion
  • Marketing campaigns and initiatives
  • Payroll coverage during slow periods
Requirements

Requirements

  • Business operational for at least 6 months
  • Minimum monthly revenue of $10,000
  • Personal credit score of 600+
  • Valid business checking account
  • Business bank statements (3 months)
  • Valid business registration

How Our Business Line of Credit Process Works

01.
Submit Application

Complete our simple online application in just minutes. Provide basic business and financial information.

02.
Quick Review

Our underwriting team reviews your application and provides a decision within 24-48 hours.

03.
Access Funds

Once approved, access funds instantly online whenever you need them.

Frequently Asked Questions

What is a business line of credit?

A business line of credit is a flexible financing solution that allows you to access funds up to your approved limit, pay interest only on what you use, and reuse the funds as you repay them.

How quickly can I get approved?

Most applications receive a decision within 24-48 hours. Once approved, you can access funds immediately.

Do I need collateral?

Qualified businesses can access unsecured lines of credit without collateral. However, larger credit limits may require collateral.

What are the repayment terms?

During the draw period (12-24 months), you make interest-only payments. After the draw period, the balance converts to a term loan with principal and interest payments.