Business Lines of Credit

Financing Amount: $10,000-$5 Million

6-Month to 10 Year Terms

Funding in 1-3 Days

To Qualify:

• 6+ Months in Business
• Minimum $10,000 per month or $120,000 in annual gross sales
• Minimum 600 FICO Score is required

A business line of credit acts like a safety net and a springboard at the same time. You have an approved pool of money you can draw on whenever you need it, repay as cash comes in, and draw again without starting a new loan from scratch.

Owners often use a revolving credit line to steady the ups and downs of seasonal sales, manage payroll during slow weeks, cover fuel and materials until customers pay, or jump quickly on a discounted inventory buy. You only pay interest on what you actually use, not on the full approved amount sitting unused in reserve.

I help you size the line to match your real-world swings-large enough to give comfort, but not so large that it tempts you into unnecessary debt. During our conversation, I ask about your slow months, your busiest periods, and the timing of your biggest expenses, then match that pattern to a line structure that fits.

The application is online and can be started whenever your schedule allows. You share basic business and revenue details, I walk you through any supporting documents, and then I push for a prompt decision so you are not left wondering if funds will be there when a truck breaks down or a big order arrives.

Over time, many owners treat their line of credit as part of their standard toolkit, right alongside their checking account and payroll service. Used with discipline, it can protect your cash flow, reduce stress, and let you say yes to opportunities that might otherwise pass you by.