Home · Funding options · Line of Credit
Capital on call. Not on the clock.
A business line of credit gives you a pool of capital to draw from whenever you need it. Cover inventory, seasonal gaps, or the unexpected, then repay and draw again. You only pay on what you actually use.
A credit line you can draw, repay, and draw from again.
At a glance
For the moments revenue hasn’t caught up to yet.
Every business hits stretches where the timing is off: the big order is coming but materials are due now, the season is about to turn, the opportunity will not wait. A line of credit bridges those gaps without a new loan application every time.
Once your line is in place, the money is there when you need it and costs you nothing when you do not. That is the whole point: flexibility without the paperwork treadmill.
Apply for Your Line of CreditHow it works
Simple by design.
One application sets up ongoing access. After that, it works like a financial safety net you control.
Apply once
Tell us about your business and what a comfortable credit limit looks like. One application, reviewed once.
Get your limit
You are approved for a revolving limit based on your business profile. You will know exactly where you stand.
Draw when you need it
Pull funds when the moment calls for it: inventory, payroll gaps, a supplier discount for paying early.
Repay and reuse
Pay it back and the full line becomes available again. No reapplying, no starting over.
Who it’s for
Made for uneven cash flow.
If your revenue comes in waves but your expenses do not, a line of credit smooths the ride.
- Your cash flow is seasonal or project-based, with predictable busy and slow stretches.
- You want flexibility, not a lump sum with a fixed payment you may not need.
- You can manage revolving debt responsibly and repay what you draw.
- You would rather have it and not need it than need it and not have it.
An untouched line costs you nothing to keep open. Interest and fees apply to drawn balances, and the exact terms depend on the offer you qualify for. We will show you the numbers before you draw a dollar.
Where it fits
Where a line of credit earns its keep.
Stocking up for the season
A retailer draws to buy holiday inventory in October, sells through in December, and repays in January. The line sits ready for next year.
Covering materials before the client pays
A contractor draws to buy materials for a job, then repays when the client’s check clears. No scrambling, no expensive advances.
Making payroll during a gap
An agency between big invoices draws to cover payroll, then repays when the invoices land. The team never feels the gap.
Put flexible capital in your corner.
Apply once and have revolving capital ready whenever the business needs it. Start your application today.
Straight answers
Questions, answered.
How is a line of credit different from a term loan?
A term loan gives you a lump sum you repay over time. A line of credit gives you ongoing access: draw, repay, and draw again, and you only pay on what you use.
Do I pay interest on the full credit limit?
No. You only pay on the balance you have actually drawn. An untouched line costs nothing to keep available.
How fast can I access funds after approval?
Once your line is set up, draws are fast. Exact timing depends on the provider’s process, which we will walk you through.
Can I reuse the line after I repay?
Yes. That is the point of revolving credit. Repaid amounts become available to draw again without reapplying.
What does it cost?
Costs depend on the offer you qualify for and how much you draw. We lay out rates, fees, and terms clearly before you commit.
Your next chapter
Let’s put your capital plan on the table.
Share what your business needs. We will bring the strategy.
Funding is subject to eligibility, underwriting and approval. Amounts, rates, terms and timing vary. Introductory credit card rates are time-limited and may involve fees. Property-secured financing places collateral at risk.