Business Line of Credit for Small Business
On-demand capital for the moments that move your business forward.
Capital that flexes with your cash flow
A revolving business line of credit is one of the most flexible business loans for small businesses on the market: draw what you need, pay interest only on the outstanding balance, and repay to free capacity again. It gives you the safety net to handle slow months, the firepower to seize bulk inventory deals, and the flexibility to fund payroll between receivables — without committing to a fixed term loan.
- Lines from $10K to $500K
- Draw funds anytime — only pay interest on what you use
- No prepayment penalties
- Decisions in 24 hours, funds in 1–3 days
- Renewable as your business grows
- Soft credit pull to pre-qualify
24-hour decisions
Quick underwriting on most files.
Soft credit pull
Pre-qualify with no impact to your score.
Up to $500K
Scales as your revenue grows.
What you'll need to qualify
A short list of documents and basics to get you pre-qualified — most files only need the essentials below.
- 6+ months in business
- $10K+ average monthly revenue
- Personal FICO 600+
- Business checking account
- Last 3–6 months of bank statements
- Government-issued ID & EIN
Our funding process
Apply in minutes
Submit a short online application — soft credit pull only, no impact to your score.
Match & underwrite
We pair you with the lender(s) most likely to approve your profile and terms.
Review & accept
Compare your line offers, ask questions, and sign electronically.
Draw on demand
Funds available same- or next-day on every draw, only pay for what you use.
Frequently Asked Questions
Related resources
Guides and playbooks to help you make the most of business line of credit.
Business Line of Credit Playbook
How to use a revolving business LOC for payroll gaps, inventory bulk buys, and seasonal cash flow — without paying for capital you don't draw.
Read moreCompare Small Business Funding Options
Line of credit vs. working capital loan vs. SBA — which structure fits your revenue and growth stage.
Read moreStartup Business Funding in Texas
Where a line of credit fits in a Texas founder's funding stack — and how to qualify sooner.
Read moreGet the flexibility your business deserves
Pre-qualify in minutes — soft credit pull, no obligation.