Business Line of Credit

(No Collateral Needed)

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Quick and Easy Way to get a Business Line of Credit! Apply Today.

Business lines of credit can help your small business stay afloat by providing much-needed cash flow during tough times or to fund a business idea.

  • Revolving Line of Credit LOC from $5K to $100K
  • Simply Online Application
  • Only Pay Interest on Amount Used
  • Zero Penalties for Early Payoff
  • 1+ Years in Business *
  • 550+ FICO Score
  • $15K+ Business Monthly Income

* If in business less than 2 years, or your business resides in NJ, CA, RI, NV, VT, or MT, then your FICO score must be 600+. Qualification is also based on other criteria, including but not limited to: financial strength of business, average daily balance, number of NSFs, etc.

Get Your Unsecured Business Line of Credit

Get the Cash You Need Quick and Easy

A revolving business line of credit is much easier to obtain than a traditional small business loans. The credit limit is usually based on the business's monthly revenue and personal FICO score of 550+.

Quick Approval

Get approved in as little as 24 hours with a quick and easy online application.

Use for Any Purpose

Use your line of credit for any purpose, from covering business expenses to financing growth.

Flexible Repayment Terms

Repay your business line of credit over a period that works for you, from 6 to 12 months.


What is a Business Line of Credit?

An unsecured business line of credit is a great way to get the funding you need for your business. It allows you to draw funds against it, and as you make weekly payments, the funds become available again. You only pay interest on the funds you have withdrawn out, and there are no early payback penalties. This is an excellent option for businesses that need flexible funding.

Business credit line

Business Line of Credit Requirements

Do You Qualify?

In business one+ years*

A business located in the USA.

Have a a 550+ Personal FICO Score*

Have $15k+ Monthly Revenue

* If in business less than 2 years, or your business resides in NJ, CA, RI, NV, VT, or MT, then your FICO score must be 600+. Qualification is also based on other criteria, including but not limited to: financial strength of business, average daily balance, number of NSFs, etc.

How Does It Work?

  • Easy Online Application
  • Approval Up To $100K
  • Take Fund as Needed
  • Automatic Daily Repayment
Easy Online Application

We work with funding partners who can help you locate and secure the best LOC offers. To apply, simply fill out our LOC prequalification form and upload your business bank account statements.

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Approval Up To $100K

This means you will have money set aside that you can use when you need it, and you will only be charged interest on the funds you withdraw.

business credit line
Take Fund as Needed

You can now draw money as needed up to the approved amount, with a repayment period of up to 1 year.

small business loan
Automatic Daily Repayment

You repay the funds you've drawn automatically daily, covering both the principle and the interest. You can also prepay without incurring any penalties, resulting in significant savings.

Business Line Of Credit Requirements

FAQ About Line of Credit for Business

What is a business credit line?

A business credit line is a form of business funding that can provide working capital to grow your business. It's similar to a personal line of credit in that you can borrow and repay the funds as needed, up to your line of credit limit. The main difference is that a business credit line is backed by your business revenue instead of your personal assets. This type of financing can be a great way to get the funds you need to grow your small business without putting your business assets at risk.

Is a business credit line better than a Loan?

There is no definitive answer to this question as it depends on the specific financial situation of the business in question. A business line of credit may be a better option for a small business that needs flexibility in its borrowing, as the credit line can be used as required, and there is no long waiting period to receive the funds. A loan may be a better option for a business that needs a set amount of funds and better rates for a specific purpose, such as equipment purchases or real estate.

What are the requirements for a business line of credit?

Business credit lines can be a great way to give your business some financial flexibility. However, the requirements for a business credit line can vary from lender to lender:

  • You must have a 550+ Personal FICO score.
  • $15k+ in monthly revenue for three consecutive months.
  • Have a business in the USA for 1+ years.

Meeting these requirements, you should be well on your way to securing a business line of credit.

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