Access fast, flexible working capital with a business line of credit.
Apply NowA business line of credit provides fast, on-demand funding. With credit limits ranging from $6,000 to $200,000, it allows you to draw what you need, when you need it, and receive funds quickly. Because of its flexibility, a business line of credit is ideal for covering operating expenses, smoothing cash flow gaps and funding short-term opportunities.
lines of credit from $6K - $200K
repayment terms of 12, 18 or 24 months
weekly or monthly payments
A business line of credit is a flexible funding option that allows you to draw funds from a set credit limit. The funds are typically deposited as cash in your business checking account. You can draw as much or as little as you need up to your approved credit limit — and you'll typically only pay interest on what you borrow. Similar to a business credit card, as you repay a revolving line of credit, the funds become available to borrow again.
Because of these features, business lines of credit can be a great financing option for managing cash flow and funding long-term projects. They can also act as a safety net, ensuring you have access to working capital in the event of an emergency expense or surprise opportunity.
Running a business takes money, and a business line of credit gives you ongoing access to funds right at your fingertips.
Withdraw what you need, when you need it. You'll only be charged interest on the funds you draw.
Receive your money within seconds when you make a withdrawal — 24/7, even on nights and weekends.
We report to business credit bureaus, which helps build business credit history with on-time payments.
Unlike a small business loan that provides an upfront lump sum of cash, a small business line of credit lets you borrow funds up to a set credit limit, so you can draw what you need. As you repay the outstanding balance, your available credit replenishes, so you can keep borrowing without reapplying. Whether it's managing cash flow or investing in your big-picture plan, a revolving line of credit is a flexible way to access the funds you need.
A small business line of credit can provide qualified borrowers with a credit limit up to $200,000. You can draw from your line and get money quickly — sometimes even when the banks are closed. Withdraw what you need, when you need it — you'll only pay for what you borrow. Flexible repayment terms let you choose from 12, 18 or 24 months, with weekly or monthly payments to fit your business's budget. Plus, your on-time payments can help you build business credit history.
A business line of credit is a smart way to stay ready for what's next. You're in control of when and how you use it — making it a great way to manage day-to-day expenses and taking advantage of opportunities without taking on more debt than you need. Here are a few of the best ways small business owners use a line of credit:
Prepare for the busy season by purchasing extra inventory without disrupting your cash flow.
Get the working capital you need to cover upfront costs when taking on a big client or job.
Pay your team on time, even when you're waiting for invoices to be paid.
Test a new marketing strategy to reach new customers.
Cover your operating costs even during the slow season.
Beyond a line of credit, we connect businesses with a range of financing solutions to fit any need.
Long-term, government-backed financing ideal for major investments like real estate, equipment, or expansion. Lower rates, longer terms, and lower monthly payments.
Apply NowA lump sum of working capital repaid in fixed payments. Great for one-time purchases, equipment, or growth projects with predictable costs.
Apply NowFast, flexible funding based on future sales. Approval is driven by cash flow rather than credit, with repayment tied to your daily card volume.
Apply NowStep 1
Our streamlined application process is designed to be completed in just minutes.
Step 2
Work with an expert loan advisor to choose the best option for you.
Step 3
Sign your contract and get funds as soon as the same day.
1 Year
in business
Business
checking account
$100K
business annual revenue
625
personal FICO® score
Track record
Since 2024, Sam Johnson has facilitated over $6.7M in business funding across more than 60 funded deals — helping small business owners in healthcare, construction, trucking, hospitality, and more access the capital they need to grow.
"Every deal is different. I take the time to understand your business and match you with the right capital."
— Sam Johnson