01 — Revolving
Business Line of Credit
A flexible reserve you draw from on demand — pay interest only on what you use, and watch your available credit refresh as you repay.
What a line of credit is.
A business line of credit is a pre-approved pool of capital you can tap whenever you need it, up to an agreed limit. Unlike a term loan, you don't take the full amount as a lump sum — you draw only what a given moment requires, and you pay interest solely on the outstanding balance.
As you repay, that credit becomes available again, so a single approval keeps working for you draw after draw. It is the most flexible instrument we offer and the one businesses keep on hand for the unpredictable: a late client payment, a supplier discount that won't wait, or a seasonal dip that needs bridging.
Best for.
A line shines when the need is recurring or unpredictable rather than a single, defined purchase.
- Smoothing recurring cash-flow gaps between payables and receivables
- Covering payroll or rent through a slow stretch you'll recover from
- Jumping on a supplier discount or bulk-buy that pays for itself
- Keeping a standing reserve on hand so an emergency never stalls operations
How it works.
Get approved
Apply once with three months of bank statements. We set a credit limit — no draw required, no interest until you use it.
Draw on demand
Pull any amount up to your limit from your dashboard. Funds land in your account the same or next business day.
Pay as you use
Interest accrues only on your outstanding balance. Repay on a simple weekly or monthly schedule.
Replenish & repeat
Every dollar you repay frees up that much credit again — ready for the next opportunity or gap.
Rates & terms.
- Credit limit
- $5,000 – $500,000
- Draw term
- 6 – 24 months
- Rates from
- ~8% – 24% APR
- Repayment
- Weekly or monthly
- Draw fee
- 0% – 3% per draw
- Prepayment
- No penalty
Rates and limits are illustrative and depend on underwriting, time in business, revenue, and credit profile. This is not an offer or commitment to lend.
Eligibility.
- 6+ months in business under current ownership
- $15,000+ in average monthly revenue
- 500+ personal credit score
- A U.S.-based business with an active business bank account
Why businesses choose it.
Pay only for what you use
Interest accrues on your drawn balance, not your full limit. An untouched line costs you nothing.
Credit that refreshes
One approval funds many needs. As you repay, that credit becomes available to draw again.
Funds in hours
Draws clear to your account the same or next business day — fast enough to seize a fleeting opportunity.
No prepayment penalty
Repay early whenever cash allows and stop paying interest. Flexibility runs both directions.
No collateral required
Lines up to $500,000 are unsecured for qualifying businesses — your assets stay your own.
A human in your corner
A dedicated advisor helps you size the line right and is one call away when needs change.
Line of credit FAQ.
Related funding.
Keep capital on standby
Open a line in 24–48 hours.
Apply once, get a limit, and draw only when you need it — no hard credit check to start.