Business Line of Credit | A Flexible, Revolving Business Credit Line

Businesses doing $25,000+ in monthly revenue with recurring or unpredictable capital needs — managing inventory cycles, covering periodic gaps, or keeping a reserve on standby — that want flexibility rather than a one-time lump sum.

A startup business line of credit is possible earlier than most owners expect, but the bar is deposits, not a business plan: a newer business with several months of consistent revenue already landing in its business account can be considered for a line sized to those deposits, while a pre-revenue startup generally cannot. Where the line is too small for the need, a revenue-based advance may fit instead, or a business term loan through our funder partners.

Draw only what you need and pay only for what you use; revolving access that replenishes as you repay; flexibility for recurring or seasonal needs; and revenue-based evaluation rather than credit-score-only approval.

Bridging cash-flow gaps, managing inventory and supplier cycles, covering payroll between receivables, handling unexpected expenses, and keeping working capital on standby.

Around $25,000+ in monthly revenue, time in business, and consistent deposits. Credit is considered but is not the sole factor; specific terms and structures depend on underwriting. Not all applicants qualify.

A secured business line of credit is available where collateral is offered - typically equipment, receivables, or other business assets - and it generally supports a higher limit or better terms than an unsecured line for the same business. The collateral requirement, limit, and terms are set by the program's underwriting. Not all applicants qualify.

With a revolving line of credit, you repay what you draw and the available credit replenishes, paying only for the funds you use; terms depend on whether the line is provided directly or through a lending partner and on what you qualify for. Where a revolving line isn't the best fit, a revenue-based advance — repaid through daily or weekly ACH remittance that scales with your deposits — may be offered instead.

Banks typically require strong credit, collateral, and lengthy underwriting for a line of credit, and decline businesses with limited history or past credit issues. Because we offer lines of credit both directly and through partners and evaluate options on revenue and deposit strength as well as credit, we can open access for healthy businesses that don't fit the traditional bank box.