A business line of credit gives your small business the flexibility to handle unexpected expenses and access working capital on demand.
If you need ongoing funding to support operations or growth, this could be the right solution. With credit limits typically ranging from $50,000 to $500,000 (and sometimes more), you can draw funds as needed and only pay interest on what you use—making it a smart, adaptable option for managing cash flow.
Our LOC programs offer flexible terms ranging from 1 to 3 years. Depending on the tier you qualify for—starter, mid, or high—your business can access varying term lengths and credit limits.
Higher tiers offer extended repayment periods and increased credit limits to better support your business needs.
Eligibility for an LOC requires at least one year in business, a credit score of 625 or above, and annual revenue of $150,000 or more.
To apply for a LOC, simply complete our short application and submit your six most recent business bank statements. If approved, a valid form of identification—such as a driver’s license or U.S. passport—will be required to release funds.
For mid- to high-tier credit lines, additional documentation may be requested, including annual revenue reports, profit and loss statements, or income tax returns.
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