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Access a revolving credit line you can draw from whenever your business needs capital — only pay for what you use.
A business line of credit gives you an approved limit you can draw against whenever you need capital — and you only pay for what you actually use. Repay what you've drawn and the full limit becomes available again, without reapplying.
It's the right structure when your need is recurring or unpredictable rather than a single fixed expense: bridging invoice gaps, smoothing seasonal dips, or keeping a reserve for surprises. If you need one lump sum for a known cost, a term loan usually prices better — we'll tell you which fits when we review your file.
Limits generally reflect the same 80%–150% of monthly revenue guideline, within $10,000 to $2 million for revolving facilities. A business depositing $25,000 a month typically sees a limit in the $20,000–$37,500 range, and one depositing $1 million a month sees $800,000–$1.5 million — with the exact figure driven by deposit consistency more than by any single month's total.
A term loan is one lump sum with a fixed repayment schedule. A line of credit is a reusable limit — draw, repay, draw again — and you pay interest only on the outstanding balance, not the whole limit.
You pay interest only on what you draw. We walk you through any maintenance or draw fees on your specific offer before you accept — and wherever you apply, ask for those fees in writing. That's where lines differ most between providers.
3+ months in business, $10,000+ in monthly revenue with recent consistent deposits, a business checking account, and your last 3–4 months of bank statements.
Once the line is open, draws are typically available within one business day. The initial setup follows the standard timeline: a decision within 24 business hours.