Revolving Credit

Business Line of Credit

A revolving credit facility that gives you on-demand access to capital. Draw funds when you need them, repay at your pace, and draw again. Only pay for what you use.

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Funding Amount
$10,000 – $500,000
Funding Speed
24–48 hrs
Min. Revenue
$10K/mo
Collateral
Not Required

How a Business Line of Credit Works

A Business Line of Credit is a revolving credit facility that gives you access to a pool of capital you can draw from as needed. Unlike a loan where you receive and repay a fixed amount, a line of credit is flexible — draw $20,000 today, repay it next month, and draw again when you need it.

You only pay interest (or fees) on the outstanding balance — not the full credit limit. This makes a line of credit one of the most cost-efficient financing tools for managing cash flow.

Use It Like a Business Credit Card — Bigger

Think of it as a financial safety net. Keep your line of credit open and available for when you need it — whether that's a slow month, an unexpected expense, or a sudden growth opportunity.

As you repay drawn amounts, your available credit is restored automatically — giving you ongoing access to capital.

Common Use Cases
Cash flow gapsUnexpected expensesSeasonal inventoryPayrollEmergency repairsOpportunity capitalRecurring expenses
Why Choose This
  • Only pay for what you use
  • Revolving — credit restores as you repay
  • Flexible draw schedule — use as needed
  • No prepayment penalty
  • Great for managing seasonal cash flow
  • Builds your business credit profile

Common Questions

Interest or fees are calculated only on the amount you have drawn — not the full credit limit. Rates are disclosed clearly before you draw.
Yes. Once you repay a portion or all of your balance, those funds become available again. You can draw as many times as needed within your credit limit.
This varies by program. Some lines have a small maintenance fee, others do not. Your advisor will explain the specific terms of your offer.

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