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Draw only what you need

Business Line of Credit — Up to $5 Million, Pay Only on What You Draw

A line of credit is a pre-approved pool of money you can draw from, repay, and draw again. You are only charged for what you actually use — which is why it is the single best product for a business whose cash flow is lumpy rather than broken.

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Program guidelines

Amount$10,000 – $5,000,000
Term6 months – 10 years
SpeedSame day
Credit600+
Time in business6+ months
Revenue$10,000/mo ($120K/yr)

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Who this is right for

  • Covering payroll in a slow month without borrowing for a whole year
  • Businesses with seasonal swings — a resort-town restaurant, a landscaper, a tax preparer
  • Bridging the gap between finishing a job and getting paid for it
  • Having capital in place *before* the emergency, so you are not shopping under pressure

How it works

  1. Get approved for a limit once, with one application.
  2. Draw what you need, when you need it — often instantly from a dashboard.
  3. Interest accrues only on the drawn balance.
  4. As you repay, the room comes back.

What to watch out for

Every figure on this page is a published program minimum from our lending partner network, not an offer. Your terms come from underwriting.
Straight answers

Business Line of Credit — straight answers

Is a line of credit cheaper than a loan?
Per dollar borrowed, usually yes — because you only pay for the days you actually hold the money. Per dollar approved it can be more expensive if there are draw or maintenance fees. Compare total cost over how you actually plan to use it.
Can I get a line of credit with a 600 credit score?
600 FICO is the published floor on the line-of-credit programs in our network, alongside 6+ months in business and $10,000 a month in sales. Below 600, revenue-based options and equipment financing are the realistic path.
How fast is a draw?
Once the line is open, draws are typically same-day. The approval itself can be done in hours.

Compare with

Small Business Loans

Term Loans & Working Capital

SBA Loans

Lowest cost, longest terms

Equipment Financing

The machine is the collateral

No cost · No obligation

See if you qualify for business line of credit

One application, a soft review only, and an honest read on whether this is even the right product for you.

Get Pre-QualifiedSee funding options

Checking your options does not affect your business credit. A soft review only.