Business Line of Credit
Capital that waits
until you need it.
A revolving line you draw against when the need arrives, not a lump sum you start paying for on day one. Pay interest only on what you actually use, and the room you repay becomes available to draw again.
What you get
- A revolving limit
- Draw, repay, and draw again — the line does not close after one use.
- Interest on what you use
- An undrawn line costs you nothing in interest. You pay for the balance you carry.
- Built for uneven cash flow
- Cover payroll or a supplier gap between receivables without taking a term loan.
- Soft credit pull only
- Check your offers without affecting your personal credit score.
Minimum requirements
- Time in business6+ months
- Monthly revenue$10,000+
- Personal credit score600+
- Business typeFor-profit US entity
- Bank statementsLast 3 months
When a line of credit beats a term loan
Seasonal swings
Draw through the slow months, repay through the busy ones.
Receivables gaps
Cover payroll while a large invoice is still outstanding.
Unplanned repairs
A line already in place is there the day something breaks.
Inventory timing
Buy when the pricing is right rather than when the cash is.
Uncertain amounts
When you do not yet know the number, do not borrow a fixed one.
A standing safety net
An undrawn line accrues no interest while it sits available.
Need a fixed amount over a fixed term instead? Compare a business term loan.