Ongoing Access

Line ofCredit

A revolving business credit structure for companies that need access to capital over time, not just a one-time lump sum.

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Secure application flow

Merchant cash advance and line of credit options

Document-based review process

English and Spanish support

What It Is

Overview

A business line of credit gives your company access to a credit limit that can be used as needed. Instead of borrowing one fixed amount upfront, you draw funds when the business needs them and pay interest on the amount actually used. This can be a strong fit for businesses that need working capital flexibility, but it is typically a more formal product with a fuller review process.

How access works: Line of credit review may involve documentation, a hard credit check, fees, and a longer approval timeline. For this product, approval and funding can take 6 to 8 weeks, with interest charged on the amount drawn and a minimum payment requirement of 2% every 60 days.

Best For

Is This Right for You?

Businesses that need recurring access to working capital

Owners who prefer drawing funds only when needed

Companies managing uneven cash flow across the year

Businesses that want a revolving structure instead of a one-time advance

Operators planning around ongoing expenses, payroll, or growth needs

Companies prepared for a more document-driven review process

Benefits

What You Get

Revolving Access

A line of credit is built for repeated access to capital instead of a single one-time disbursement.

Interest on What You Use

Interest is charged on the amount drawn rather than on the full approved limit.

Useful for Ongoing Needs

This structure can work well for businesses with recurring working-capital needs instead of one isolated expense.

Secured or Unsecured Depending on Structure

Some credit lines may be unsecured, while larger requests may require collateral depending on the structure and file.

Formal Review

This is not a light-touch product. Review may include business documentation, credit review, and additional underwriting steps.

Structured Repayment

This product may include minimum payment requirements and fees, so it should be evaluated as an ongoing credit facility rather than a quick cash option.

Typical Use Cases

How Businesses Use This

01Covering recurring operating expenses without relying on a one-time funding structure

02Managing working-capital needs across uneven revenue cycles

03Supporting payroll, inventory, or vendor payments when timing matters

04Keeping access to capital available for planned growth or unexpected gaps

05Using a revolving facility when repeated access is more useful than a single disbursement

FAQ

Common Questions

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