Access $10,000 to $250,000 of revolving capital you can draw from anytime, repay, and reuse, with nothing owed on the balance you are not using.
A line of credit is a pool of capital you tap whenever you need it. Draw funds in minutes, pay interest only on what you use, and watch the line refill as you repay, so it is ready the next time cash gets tight.
Carry the slow months and stock up before the busy ones without draining reserves.
Say yes to a bigger order or a new hire before the revenue fully catches up.
Smooth the gap between when you do the work and when the money actually lands.
Handle a repair, a shortfall, or an opportunity the moment it shows up.
No stacks of paperwork and no weeks of waiting. Many lines are open within a day.
A short application and a soft check that never touches your credit score.
See your credit limit and terms, often the very same day.
Pull what you need straight to your account, whenever you need it.
As you pay the balance down, the line refills and is ready to go again.
Most established businesses qualify. Here is the general profile for a line of credit.
Many businesses are approved the same day and can draw funds within 24 hours of a completed application. Timing depends on your file and the capital source.
No. The initial check is a soft pull that does not affect your credit score. A hard pull only happens later if you move forward and accept an offer.
Almost anything your business needs, payroll, inventory, equipment, repairs, marketing, or simply bridging a slow stretch. There are no usage restrictions.
No. You only pay for the portion you actually draw. The rest of your limit sits ready with nothing owed until you use it.
See your limit before you commit to anything. The soft check takes five minutes and will not touch your credit.
See What You Qualify For →