Business Line of Credit
Revolving capital you draw only when you need it. Pay interest on what you use, replenish as you repay.
Learn moreWorking capital, considered
Funding that reads the whole business, not just the score.
From $5,000 to $5,000,000 in unsecured capital — underwritten by people who understand momentum. Approvals in 24–48 hours. No hard credit check to apply.
Soft pull only. Checking your options never affects your credit.
Request received.
A Meridian advisor will reach out within one business hour with your tailored range.
Bank-grade 256-bit encryption
24–48 hour approvals
No hard credit check to apply
10,000+ businesses served
$1B+
Capital funded
0%
Funded within 48 hours
0%
Customer renewal rate
0k+
Businesses served
Three steps. One straight line to capital.
No labyrinth, no surprise fees. Just a clear path from application to funded — most of it before lunch.
STEP 01
Apply & submit
Complete a 5-minute online application and connect three months of bank statements. No paperwork mountain, no hard credit pull.
STEP 02
Underwrite & approve
Our analysts read the full picture — cash flow, trajectory, seasonality — and return a real offer in 24–48 hours.
STEP 03
Sign & fund
Review transparent terms, sign electronically, and receive same-day or next-day funding directly to your account.
The underwriting floor
Chicago
People read your business — not just a score.
Behind every approval is an analyst who studies your cash flow, seasonality, and trajectory. That's how a thin file or a slow winter becomes a funded deal instead of an automatic decline.
Read our storySeven instruments. One philosophy.
Capital should fit the shape of the work. We build the right structure for your moment — not a one-size product off the shelf.
Short-Term Loans
A defined lump sum with a fast, predictable payoff window — built for inventory, repairs, or a near-term opportunity.
Learn moreLong-Term Loans
Patient capital for expansion, acquisition, or refinancing — lower payments stretched across multi-year terms.
Learn moreInvoice Factoring
Turn unpaid receivables into cash today. Advance up to 90% of invoice value and stop waiting on net-60 terms.
Learn moreEquipment Financing
Finance the machinery, vehicles, or technology that drives revenue — with the equipment itself as collateral.
Learn moreMerchant Cash Advance
Funding repaid as a small share of daily card sales — payments that flex naturally with your revenue.
Learn moreSBA Loans
Government-backed financing with the lowest rates and longest terms — guided start to finish by a Meridian specialist.
Learn moreNot sure which fits?
Tell us the moment you're in. An advisor will recommend the right structure — no obligation.
Talk to an advisorWe fund the sectors that build, move, and care.
Sixteen industries and counting — each underwritten with an understanding of its rhythms, margins, and seasons.
Owners who renewed — and referred.
A 90% renewal rate and 22% referral rate aren't marketing numbers. They're the verdict of people who came back.
A+ BBB Accredited
Trustpilot ★★★★★ 4.9/5
256-bit SSL Secured
SOC 2 Type II
Answers, before you ask.
The questions owners raise most — handled plainly. The full list lives on our FAQ.
Read all FAQsNo. Applying uses a soft inquiry only, which never affects your credit score. A hard pull happens just once — with your consent — at final approval.
Most approvals land within 24–48 hours, and 95% of approved files are funded within 48 hours. Many qualify for same-day or next-day disbursement.
Three baseline criteria: at least 6 months in business, $15,000+ in monthly revenue, and a 500+ personal credit score. Stronger profiles unlock better terms.
Ready when you are
The opportunity has a clock. So do we.
Start your 5-minute application now. No hard credit check, no obligation — just a real answer in 24–48 hours.