Draw what you need, when you need it. Pay interest only on what you use. The financial flexibility that fixed-amount loans can't match — designed for cash flow, not capital projects.
Lines of credit shine when the amount and timing of need is uncertain. Approved capital you can pull in minutes — and only pay for when you draw.
When revenue lulls but payroll doesn't, draw what you need and repay when receivables land.
Buy ahead of demand without tying up working capital you'll need elsewhere.
Vendor discount, distressed asset, opportunity buy — having a line means you can act in hours, not days.
When customers take 60 days to pay but vendors want 30, a line absorbs the difference without forcing a debt decision.
Once your line is approved, draws happen on demand. Most are funded the same business day if requested before noon ET.
4-minute app, soft pull. Approval shows your max credit limit and the rate that applies on draws.
Pull funds via online dashboard or wire request. Funds typically hit your account same business day.
Pay interest only on what you've used. As you repay principal, your available credit refreshes — keep the line open.
Lines underwrite slightly tighter than term loans because of the revolving structure. The four things that matter most.
Lines require demonstrated operating history. We typically want at least 12 months of trading.
Lines depend on consistent cash flow. We see strongest approvals at $20K/month and above.
Lines tend to require a slightly higher credit floor than term loans because of the revolving nature.
Underwriters look at deposit consistency more than total revenue. Steady inflows beat lumpy ones.
The questions clients ask most about lines of credit. If we missed yours, call us — we don't gatekeep information.
Some line structures include a small draw fee (typically 1–3%). Others don't. We surface the structure before you sign so there are no surprises.
Once your line is approved and open, draws typically fund the same business day if requested before noon ET — sometimes within hours.
Most lines renew automatically each year provided your account is in good standing. Some structures re-underwrite annually; we'll flag which up front.
The initial application is a soft pull. Once the line is open, utilization can affect business credit, but not personal credit unless you default.
A line of credit isn't always the right fit. Here's the rest of our product menu — pick what matches the shape of your need.
Fixed amount, fixed schedule. The cleanest way to fund a defined project — equipment, expansion, or acquisition.
Government-backed financing with the longest terms and lowest rates available. We move fast on a process that's known for being slow.
Fund the machinery, vehicles, or technology you need. The equipment itself secures the loan — so qualifying is easier.
Turn unpaid invoices into working capital. Get up to 90% upfront on receivables, without taking on new debt.
No fees. No hard pull. No commitment. Direct underwriting, real terms, fast.
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