Access Capital When You Need It
A business line of credit gives you flexible, on-demand access to funds so you can cover expenses, seize opportunities, and manage cash flow without applying for a new loan every time. Draw what you need, repay it, and draw again.
What Is a Business Line of Credit?
A business line of credit is a flexible financing tool that works similarly to a credit card – you’re approved for a maximum credit limit, and you draw funds as needed, only paying interest on what you use.
Unlike a traditional term loan where you receive a lump sum upfront, a line of credit gives you ongoing access to capital that replenishes as you repay. It’s one of the most versatile financial tools a business can have.
Non-bank lenders offer faster approvals, more flexible qualification requirements, and less red tape than traditional banks – making them the go-to option for businesses that need capital quickly or don’t meet strict bank criteria.
SECURED vs UNSECURED - Two Options:
Secured Line of Credit Backed by business assets such as inventory, equipment, receivables, or real estate. Because the lender has collateral, secured lines typically offer higher credit limits and lower rates. A good fit for businesses with assets and a need for larger credit access.
Unsecured Line of Credit No collateral required. Approval is based on business performance, revenue, and creditworthiness. Faster to obtain and less risk to your assets, though limits may be lower and rates slightly higher. Ideal for businesses that want flexible access to capital without pledging assets.
Flexible capital designed to move as fast as your business does.
Secured Line of Credit
Backed by collateral
Unsecured Line of Credit
No collateral needed
Higher Credit Limits Collateral allows lenders to approve larger credit lines for your business.
Lower Interest Rates Reduced lender risk typically means better rates compared to unsecured options.
Easier to Qualify Assets strengthen your application, even if revenue or credit isn’t perfect.
Collateral Required Inventory, equipment, receivables, or real estate can be used to secure the line.
No Collateral Required Approval is based on business revenue and creditworthiness – no assets pledged.
Faster to Obtain Less documentation and no asset verification means quicker approval and funding.
Less Risk to Your Assets Your equipment, property, and inventory stay protected — nothing is pledged.
Revenue-Based Approval Strong monthly cash flow can qualify you even without significant business assets.
Manage Cash Flow Gaps – Bridge the space between when expenses are due and when revenue comes in, without missing a beat.
Cover Payroll – Ensure your team gets paid on time even during slow seasons or unexpected delays in receivables.
Purchase Inventory – Stock up ahead of busy seasons or take advantage of bulk pricing opportunities without draining reserves.
Seize Growth Opportunities – Move quickly on a new contract, client, or opportunity without waiting weeks for loan approval.
Handle Unexpected Expenses – Equipment repairs, emergency costs, or sudden gaps in cash flow – handle them without disrupting operations.
Smooth Out Seasonal Fluctuations – Businesses with seasonal revenue cycles can draw during slow periods and repay when cash flow returns.
Revolving Credit - Draw, repay, and draw again. Your credit replenishes as you pay it down.
Draw Only What You Need - Only pay interest on the funds you actually use -not your full credit limit
Secured & Unsecured Options - Choose the structure that fits your business - with or without collateral.
Simple process and faster approvals. More flexible criteria than traditional banks.
GET FINANCING FOR YOUR BUSINESS NEEDS
Running a business is hard. Financing it shouldn’t be.
Our team is here to help you with obtaining a Line of Credit for your business!
Required Documents and Qualifications
- Bank statements
- Business financial statements
- Business formation docs
- 580 + FICO
- Business debt schedule
- Business tax returns
- Collateral (if secured)
Why work with us?
Finding the right lender on your own can be time-consuming and frustrating. Not every lender is actively approving loans in every industry and a declined application can cost your business time and opportunity.
Our team understands the lending landscape and knows which lenders are actively funding businesses like yours right now. We do the matching so you don’t have to chase dead ends.
