A line of credit sits in the background until you need it. Draw for a slow month, a large order, or an unexpected repair; repay; draw again. You pay for what you use, and nothing for what you don't.
Best for
- Seasonal or project-based businesses managing uneven cash flow
- Owners who want a safety net before they need one
- Companies that regularly front costs before customers pay
What you'll need
- 1+ year in business
- $120,000+ annual revenue
- Owner credit typically 600+
- Connected bank account or recent statements
How it works
- Apply once — approval establishes your limit
- Draw online whenever you need funds; money lands in 1–2 days
- Repay on a weekly or monthly schedule and your available credit replenishes
Common questions
Is there a fee if I don't use it?
Most of our partner lines have no maintenance fee. A few charge a small annual fee for larger limits — we'll be upfront.
Can my limit grow?
Yes. On-time repayment history is the fastest path to a higher limit and better pricing.
Line of credit vs. working capital advance?
A line is cheaper and reusable but requires a stronger file. An advance is faster and more forgiving. We'll often set up both.