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Funding program

Line of Credit

Draw what you need, when you need it, and pay for what you drew.

Funding amount
Up to $1M
Term
6 months – 3 years
Starting rate
4.5%
Time frame
1–2 days

Get my free quote (844) 312-1444

Line of Credit

Is it right for you?

Pick a line of credit when the costs are real but the timing is not. Draw it when you need it, and pay only on what you used.

Check my options

Often used for

  • Seasonal swings
  • Unexpected repairs
  • Buying stock at a discount
  • A safety net you may never touch

The basics

What a line of credit actually is

A line of credit is capital you are approved for but have not yet taken. You draw against it when something needs paying, repay it, and the room comes back. Interest is on what you have drawn, not on the limit.

It suits a business whose costs arrive unevenly, or one that does not yet know the number — which is most businesses, most of the time.

Only pay for what you use.
The limit sitting unused costs you nothing.
Reusable as you repay.
Draw, repay, draw again without reapplying.
Fast to access once open.
The approval is the slow part, and it happens once.

Step by step

How a line of credit works

  1. Apply once for a limitOne application. Lenders come back with the limit they will extend to the business.
  2. Draw when you need itTake some or all of the limit, whenever a cost comes up.
  3. Repay and reuseAs you repay, the room comes back, with no second application.

Start my application

A pre-approval being shaped into terms that fit.

Qualifying

What lenders look at

No single number decides it. Lenders weigh the whole picture of the business.

  • Steady revenueLenders want to see money coming in month after month.
  • Time in businessA longer history usually means a larger limit.
  • CreditConsidered, alongside how the business actually performs.
  • Recent bank statementsThe last three months, for most files.

Good to know

The upside

  • Interest only on what you draw
  • Reusable without reapplying
  • A safety net that costs nothing while unused

Worth weighing

  • Limits can be lower than a lump-sum loan
  • Some lines carry a draw or account fee — every offer shows it up front

Every offer shows its full cost and terms before you decide, and a specialist goes through them with you.

Why apply with us

One application, 50+ lenders competing for it.

  • A real person reads your fileA U.S.-based specialist reviews every application. No bots, no runaround.
  • 50+ lenders, one applicationYour file goes to the whole network at once, so the offers compete for you.
  • Prices up frontEvery offer comes with its full cost and term before you decide. No surprise fees.
  • American small business onlyFrom one-person shops to multi-location companies — it is all this team does.
A U.S.-based specialist, reading a file rather than scoring it.

Questions

Line of Credit, answered

Still deciding? Call (844) 312-1444 and a specialist will talk it through.

Do I pay anything if I don't draw?

Interest is charged only on what you draw. Some lines have an account or draw fee, and every offer lists them before you choose.

How quickly can I draw once I'm approved?

Once the line is open, draws reach the account quickly. The approval is the slow part, and it only happens once.

Can my limit go up?

Many lenders review the limit as the account ages and the business grows.

Will applying hurt my credit score?

No. Checking your options uses a soft pull, which does not affect your score. A hard pull only happens if you choose to go ahead with a specific offer, and only with your permission.

Get a free quote

Get a free quote.

One application, real offers, and no obligation to take any of them. Starting does not affect your credit.

Rather talk to somebody first? (844) 312-1444.

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