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Business Line of Credit

A limit that sits ready and refreshes as you repay.

15 yrsFunding U.S. small business since 2011

8Financing structures under one roof

24 hrsFastest time to funded

Own capitalDirect on our core products

At a glance

Room to move, kept open between the busy weeks

A revolving limit you draw against as needed. You pay only on the balance you have drawn, monthly, and every repayment restores your available room.

Best suited to: Uneven cash flow, restocking, payroll gaps, and unplanned expenses.

Monthly payments

Revolving limit$10,000 – $1,000,000
Repayment12 – 24 months per draw
Payment scheduleMonthly
Draw speedMinutes, once the line is open
Cost structureCharged on the drawn balance only
PrepaymentNo penalty

Apply for Line of Credit Talk to a desk

Shopkeeper serving a customer behind the counter of a neighbourhood grocery

What you get

How this works in practice

Your limit refreshes as you repay — no reapplying each time.
Charged only on what you actually draw.
Monthly payments on the drawn balance.
One application establishes the line; later draws take minutes.
An undrawn line costs you nothing.

How it works

Three steps. One desk.

See the full process

Send us the file

A short application and a read-only look at your business bank activity. Ten minutes, no fee, no obligation.

We decide

Our own underwriters review it. On core products the capital is ours, so the answer comes from us — not a panel you never meet.

Sign and get funded

Terms in writing, total cost on the page. Sign electronically and funds move — in as little as 24 hours.

What we look at

Four things. None of them a mystery.

We underwrite on how the business actually trades — time in operation and real revenue moving through the account.

1 year in business

Your business has been trading and generating revenue for at least twelve months.

$180,000 annual revenue

Gross annual revenue of $180,000 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 drawn.

A merchant cash advance, working capital loan or equipment approval can fund in as little as 24 hours. Term loans and lines of credit typically run 48 hours. Commercial real estate runs 30 to 60 days and SBA 30 to 90 — those two involve more documentation and, in the SBA case, a participating lender.

Every product we offer repays monthly except the merchant cash advance, which remits weekly. That is deliberate: weekly remittance is what lets an advance track your sales rather than land as a single monthly charge.

Other structures