Business Lines of Credit for Small Businesses
Flexible revolving credit to cover operating expenses, manage cash flow, and seize growth opportunities — draw only what you need, when you need it.
Line of Credit Highlights
$10K – $500K
Credit lines sized to your revenue and business profile
Fast Approval
Decisions in as little as 24–48 hours for qualified applicants
Revolving Access
Repay and redraw as needed without reapplying
Minimal Docs
Streamlined process with bank statements and basic business info
General Qualification Guidelines
Business Requirements
- 6+ months in business
- $10,000+ monthly revenue
- Active business bank account
- Business checking history available
Credit & Owner Profile
- 550+ credit score (varies by lender)
- No open bankruptcies
- Personal guarantee typically required
- Strong cash flow history preferred
Common Uses for a Business Line of Credit
Cash Flow Management
Bridge gaps between receivables and payables to keep operations running smoothly.
Inventory Purchases
Stock up ahead of peak seasons or take advantage of supplier discounts.
Payroll & Overhead
Cover recurring expenses during slower periods or unexpected revenue dips.
Marketing & Growth
Fund campaigns, hire staff, or expand into new markets without depleting reserves.
Ready to Access Flexible Capital?
Submit your scenario and we’ll help match you with the right line of credit structure for your business.
Business-purpose lending only. Not a bank. Not a direct lender. NMLS #2484887.