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Business Line of Credit
A limit that sits ready and refreshes every time you repay.
At a glance
Draw what you need. Repay. The room comes back.
A revolving limit you draw against as needed, repaid monthly on the drawn balance only. Every repayment restores your available room, so one application covers a year of unpredictable needs rather than one.
Best suited to: Uneven cash flow, restocking, payroll gaps, and expenses you cannot schedule.
Monthly on the drawn balance- Revolving limit$10,000 – $500,000
- Repayment12 – 24 months per draw
- Payment scheduleMonthly, on the drawn balance
- Draw speedMinutes, once the line is open
- Cost structureCharged on what you draw, not the limit
- PrepaymentNo penalty
What you get
How this works in practice
- Your limit refreshes as you repay — no reapplying each time.
- An undrawn line costs you nothing.
- Monthly payments calculated on the drawn balance only.
- One application establishes the line; later draws take minutes.
- Regular on-time draws build the payment history we look at on renewal.
Simple step process
Application to funded, in three steps.
Apply in under ten minutes
A short form and a read-only look at your business bank activity, so we see real revenue rather than typed figures. No fee, no obligation.
Get a tailored offer
We review time trading, revenue and payment history — the whole business, not one number. Most applicants hear back the same day.
Funded in 24 to 48 hours
Choose your structure, sign electronically, and the money moves. Advances typically land within 24 hours.
What we look at
Four things. That’s the whole list.
We underwrite on how the business actually trades — revenue moving through the account, time in operation, and how you have handled what you already owe.
6 months in business
Your business has been trading and taking revenue for at least six months.
$15,000 monthly revenue
Around $15,000 a month or more, evidenced by recent bank statements.
Business bank account
An active business account in the legal name of the company.
U.S.-based operation
Registered and trading in the United States.
Questions
About line of credit
Nothing. You are charged only on the balance you have actually drawn.
An advance or revenue-based facility can fund within 24 to 48 hours of approval. Term loans and lines of credit typically fund within 48 hours. The application itself takes under ten minutes.
Yes. We look at your business as a whole — time trading, revenue moving through the account, and your payment history with existing obligations — rather than a single three-digit score. That said, every application is subject to review and we cannot approve every business that applies.
Other structures
Not quite the right fit?
Merchant Cash Advance
$10,000 – $2,000,000Advance amount
Capital against tomorrow’s sales, priced as one clear factor rate.
ExploreBusiness Term Loan
$25,000 – $1,000,000Loan amount
One lump sum, one fixed monthly payment, one end date on the page.
ExploreRevenue-Based Financing
$25,000 – $1,500,000Facility size
Repayment sized as a share of revenue, not a number on a calendar.
ExploreNext step
See what your business qualifies for.
Ten minutes to apply. No fee, no obligation, and a real answer the same day.