Business Line of Credit
Access capital whenever you need it.
A revolving line you can draw from again and again — and you only pay interest on the funds you actually use.
- Funding amount
- Up to $1M
- Term
- 6 months to 3 years
- Cost
- Starting at 4.5%
- Time frame
- Funding within 1–2 days
Need access to funds quickly?
Use your line of credit for just about anything (really).
A business line of credit isn't just a safety net — it's also one of the most flexible forms of financing. Use it for just about any small business need: buying equipment, hiring staff, increasing inventory, adding a second location, paying invoices, installing a cappuccino machine, and more. And because a line of credit is revolving, you can use it as many times as you want — as soon as you repay what you've used, those funds become available to you again.
Your funds. Your control.
You pay interest on the funds you use — not the whole thing.
One of the coolest things about a business line of credit is that you only pay interest on the funds you use, not the full amount. If you're approved for a $40,000 line and you use $20,000 for office upgrades, you'll just pay interest on that $20,000. This could save you a bundle in interest. See, pretty cool, huh?
Boost your company
Qualifying and applying for your line of credit.
To get your business line of credit, you'll typically need to be in business at least 6 months, make $50,000 or more in annual revenue, and have a credit score of 560 or higher. Your lender may ask for a personal guarantee — an agreement that they may levy personal assets if you default. Applying is easy: fill out our 15-minute application, then compare line of credit options from 75+ lenders.
Maximize your potential
Get the most from your small business.
There are no prepayment penalties, monthly maintenance fees, or account closure fees on the line of credit, making it a very attractive option if a business qualifies. There are also no restrictions on how the capital drawn from the line is used — and a line of credit can be approved and funded in as little as 24–48 hours.
All 50 states
Funding across the nation
We're connected to America's largest small business loan marketplace, which means we connect you to more loan options than anyone else. All you have to do to gain access to our nationwide network of lenders is fill out the online application.