Revolving business line of credit

At a glance

Market conditions are uncertain — have access to capital when you need it. A revolving business credit line operates like a credit card, usually with a higher limit and a lower interest rate, and you pay interest and fees solely on the funds you actually use.

Pay off your balance at any time without penalty and draw repeatedly for expansion, inventory, payroll gaps, emergencies, or any unforeseen business expense. Credit lines are cash-flow based, and in most cases tax returns are not required.

Program parameters

• $1,000 to $500,000+
• No credit score minimum
• Affordable interest rates
• Up to 36-month terms
• 6+ months time in business
• No collateral required
• $14,000+ monthly revenue minimum
• No prepayment penalties
• Nationwide financing
• Same-day funding available

Best used for

Smooth out seasonality

Cover payroll and rent in slow months, then repay from peak-season receipts and reset the line.

Buy inventory on opportunity

Take advantage of vendor discounts or bulk pricing without waiting for receivables to clear.

Emergency reserve

Keep an approved line open and idle at no interest cost until an unexpected repair or opportunity hits.

Bridge to a bigger facility

Use the line while a larger term loan, SBA, or commercial real estate file is being underwritten.

What to have ready

• One-page application (business name, EIN, contact info)
• Most recent 4–6 months of business bank statements
• Government-issued photo ID for the majority owner(s)
• Voided business check or bank letter for funding
• Tax returns are typically not required

From application to funded

1. Apply (Step 1) — Complete one secure application — soft review, no full financial package required.
2. Limit set (Step 2) — Underwriting is cash-flow based, using recent deposits and account behavior.
3. Line opens (Step 3) — Sign the agreement and link your business bank account for draws and repayment.
4. Draw on demand (Step 4) — Request funds any time; same-day funding is available on eligible draws.

Illustration — $75,000 approved line

• Approved limit: $75,000
• Amount drawn: $30,000
• Unused balance: $45,000 (no interest charged)
• Repayment term on the draw: 12 months
• Early payoff: Allowed — no prepayment penalty

You carry cost only on the $30,000 in use; the remaining $45,000 stays available for the next need. Figures are an illustration only — your approved limit and pricing are set by the funding partner's underwriting.

Frequently asked

Do I pay interest on the whole limit?

No. You pay interest and fees solely on the funds you draw. Unused availability costs nothing to keep open.

Do I need collateral?

No collateral is required for this program. Approvals are based on business cash flow.

What are the basic requirements?

Generally 6+ months in business and roughly $14,000 or more in monthly revenue. There is no set credit score minimum.

Are tax returns required?

In most cases, no. Recent business bank statements are the primary underwriting document.

Can I pay it off early?

Yes — balances can be paid off at any time with no prepayment penalty, and the availability resets for future draws.

Equipment financing, business lines of credit, and fast working capital are funded through vetted third-party funding partners. Figures are indicative program parameters, not an offer or commitment to lend.