Business Lines of Credit
Flexible revolving credit facilities that give your business access to capital on demand — draw what you need, when you need it.
Revolving business lines of credit from $50K to $25M. Draw only what you need, pay interest only on what you use, term sheets in 24–48 hours. Check what you qualify for.
Get lines of credit priced
Two quick steps. An advisor responds within 24-48 hours.
Cash Flow Shouldn't Hold You Back
Seasonal fluctuations, delayed receivables, and unexpected opportunities all demand flexible capital. A line of credit gives you a safety net and growth tool in one.
How Can You Use It?
How It Works
Placement Review
We evaluate your financials and identify appropriate capital providers. Independent lenders determine approval and the credit limit.
Access Your Line
Draw funds as needed, up to your approved limit. Only pay interest on what you use.
Repay & Redraw
Repay on flexible terms and your line replenishes — ready for the next opportunity.
Why Choose This Solution?
Pay Only on What You Draw
Interest applies exclusively to withdrawn funds — not your total credit limit — keeping costs efficient.
Revolving Access
As you repay, your available credit replenishes automatically, giving you ongoing access to capital whenever you need it.
Secured & Unsecured Options
Choose between collateral-backed lines with lower rates or unsecured lines for faster processing and no asset pledges.
Terms & Structure
Indicative program guidance, not a lender offer. Independent capital providers determine eligibility, pricing and closing conditions. A term sheet is not an unconditional funding commitment.
Qualifications
Frequently Asked Questions
Business Line of Credit Requirements: Why the Best Time to Get One Is Before You Need It
2026 underwriting requirements, how limits get sized against trailing revenue, and the trigger moments that should prompt you to set a facility up early.
Read the articleLines of Credit by Situation
Capital gets structured around the reason you need it. Find the situation that matches yours.
Lines of Credit by Industry
Industry-specific structures and underwriting notes for lines of credit.
Staffing
A revolving line is the natural fit for staffing: draw weekly to cover payroll, pay down as client invoices clear.
View detailsProfessional Services
Law firms, accounting groups, consultancies, and agencies all share long realization cycles — work in progress sits for months before billing converts to cash.
View detailsDistribution
Inventory-heavy distributors need committed credit that flexes with seasonality and supplier terms.
View detailsRetail
Retail cash cycles are inventory-led: buy in, sell through, repeat.
View detailsE-Commerce
DTC and marketplace brands run on inventory turns and ad spend — both of which scale faster than bank lines refresh.
View detailsHealthcare
The right facility for a stable, growing medical group is usually not a term loan and not factoring — it is a revolver that sits unused most of the month and gets drawn when payroll lands before remittance does.
View detailsHome Services
A term loan is the wrong instrument for a business whose cash need appears in March and disappears in August.
View detailsSecurity Services
Guard services is a labor-arbitrage business with a fixed timing problem.
View detailsGet a Flexible Line of Credit
Access capital on your terms with a revolving credit facility built for your business.