Revolving business line of credit
Draw, repay, and draw again — pay interest only on what you use.
Secure, TLS-encrypted application. For commercial real-estate financing for business/commercial purposes only — not a consumer loan. Submitting authorizes contact by phone, SMS, or email (consent not required for financing; msg/data rates may apply). Not available in CA, OR, ID, NV, UT, MN, SD, MI, NJ, or VA. All offers subject to underwriting; not a commitment to lend. See full state & federal disclosures.
Limit
$1K – $500K+
Revolving availability
Interest
Only on funds used
Not on the full limit
Term
Up to 36 months
Per draw
Prepayment
No penalties
Pay off any time
How this program works
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.
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.
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
Step 1
Apply
Complete one secure application — soft review, no full financial package required.
Step 2
Limit set
Underwriting is cash-flow based, using recent deposits and account behavior.
Step 3
Line opens
Sign the agreement and link your business bank account for draws and repayment.
Step 4
Draw on demand
Request funds any time; same-day funding is available on eligible draws.
Frequently asked questions
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.
Other business capital options
Revolving Business Line of Credit
Prequalifying takes minutes and is handled on our funding partner's secure, encrypted portal. Prefer to talk it through first? A local loan officer will call you back.
Secure, TLS-encrypted application. For commercial real-estate financing for business/commercial purposes only — not a consumer loan. Submitting authorizes contact by phone, SMS, or email (consent not required for financing; msg/data rates may apply). Not available in CA, OR, ID, NV, UT, MN, SD, MI, NJ, or VA. All offers subject to underwriting; not a commitment to lend. See full state & federal disclosures.
Equipment financing, business lines of credit, and fast working capital are funded through vetted third-party funding partners. Applying opens the partner's secure prequalification portal in a new tab. All figures shown are indicative program parameters, not an offer or commitment to lend.