Draw when an opportunity shows up, repay, and keep capacity ready. Built for established businesses doing $60K+ a month.
Size my lineBusiness Line of Credit
A revolving line you can draw on as needed, through our partner, Merchant Fund Express, with costs shown in your offer.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Qualified businesses can access funds in as little as 24 hours. Apply in 5 minutes with about 3 months of statements.
FICO 500+ is considered. Start with a soft pull and let consistent deposits make your case.
Your offer shows the full repayment amount before you accept. No surprise costs show up after you sign.
The repayment schedule for your line is laid out in your offer up front, ready for your forecast.
Scaling businesses do not need capital once. They need it every time a big order lands, a supplier offers a bulk price, or a slow month overlaps with a hiring push. A business line of credit gives you a limit to draw from as needed instead of reapplying each time. Through our partner Merchant Fund Express, funding ranges from $25,000 to $5,000,000.
That revolving structure is what separates a line from a lump-sum product like working capital.
| Month | Reason | Draw |
|---|---|---|
| February | Bulk materials discount | $40,000 |
| May | Seasonal hires before peak | $25,000 |
| September | Commercial contract mobilization | $60,000 |
For illustration only. The idea: one approval, multiple uses, each one tied to a revenue-producing move.
Many owners we work with are building a business credit profile while they grow. A line of credit can be a practical operating tool during that period, but it is a separate service from credit repair. You do not need to repair credit to apply, and using funding does not raise your score on its own. For the long-term credit side, our business credit guide lays out the steps.
FICO 500+ is considered, sole proprietors can apply, and about three months of business bank statements are needed. No tax returns are required.
A line works best when you treat it as a tool with rules. Set a target for how quickly each draw should pay for itself, track repayment against the revenue it produced, and avoid using it for costs that do not generate a return. Owners who run their line this way tend to keep capacity open for the moments that matter most.
The application takes about 5 minutes and begins with a soft credit pull. Qualified businesses can be funded in as little as 24 hours.
Working capital is a single lump sum. A line of credit gives you a limit you can draw from, repay, and draw from again.
Funding ranges from $25,000 to $5,000,000, based on revenue and the full file.
No. FICO 500+ is considered, and revenue weighs heavily in the review.
Funding and credit repair are separate. Do not count on funding to change your score; work on credit on its own track.
Funding is provided through our partner, Merchant Fund Express.
Example uses for illustration only.
A line is reviewed on how reliably cash moves through your business.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding