A business line of credit is the most flexible product we offer. Get approved for a credit limit, then draw against it whenever you need cash. Only pay interest on what you actually use. It's the financial safety net every business should have.
A line of credit isn't a loan you take out — it's a loan you have available. You get approved once, and then you can draw funds in seconds whenever a need comes up: an emergency repair, a one-time inventory deal, an unexpected slow month, a sudden growth opportunity. You pay interest only on what you've drawn, and as you pay it down, the credit becomes available again.
This is the product we recommend almost every healthy business have set up — even if you don't plan to use it. It's far easier to qualify for credit when you don't urgently need it. Open the line now; have it ready for whenever.
No interest on the unused portion. Many lines have zero cost when idle.
Pay down, redraw, repeat — for the full draw period.
Once approved, draws hit your account same-day. Many within hours.
The cheapest insurance against unexpected cash flow gaps.
Lines of credit have more nuanced qualification because lenders want confidence you can manage revolving debt responsibly.
Seasonal swings. Cover payroll and rent in slow months without panic.
Inventory opportunities. Jump on a one-time supplier discount when you see one.
Emergency repairs. Cover a burst pipe, broken machine, or surprise equipment failure.
Bridge between deals. Smooth the gap between completing a project and getting paid for it.
No application fee. No impact on your credit. A real conversation about whether this is the right tool for what you're trying to do.