Business Credit Line


  • Competitive industry rates
  • 5-minute application
  • Approval in as little as 4 hours
  • No origination fee


  • 650 credit score
  • 2+ years in business
  • $180K average annual revenue

Get A Free Quote Today


Are you tired of the ridiculous rates and inflexible terms of credit cards?

Now is the time to consider a business credit line. Access your credit line whenever you need it, for ANY business purpose. Pay only for the funds you draw!

Why Consider A Business Credit Line?

Easy access to additional working capital is always a best practice in small businesses. A business credit line may be exactly what you need when you don't want or need a large lump sum or the long-term commitment that comes with a small business loan, or when a business credit card is not the right choice. With our quick and easy application process, affordable rates, and flexible repayment schedules (weekly or monthly), you can access reliable and continuous cash flow whenever needed.


Stabilize Cash Flow

Have access to working capital reserves to manage daily operations or cover unexpected business expenses, even during your slow seasons.

Small Business loans require payment even if you aren't using cash, but with a business line of credit, you only pay for what you use.


Easy Access

Lines of credit have less stringent requirements than a term loan. Businesses can qualify with a 650+ personal FICO, and funds can be disbursed in as little as 24 hours.

Lines of credit are a revolving type of financing, meaning businesses can pay off balances as they go and then use the credit again as needed.


Save Money

While the overall interest rate of a line of credit can be higher than a term loan, you only pay interest on the portion of the available money you use.

Credit card rates and fees can be astronomical, but rates associated with a line of credit are typically lower, starting at just 13%.


Increase Adaptability

Whether you're facing a crisis or an opportunity, a line of credit gives you on-demand access to working capital to navigate almost any situation.

Business seasonality can cause a cash crunch during slow times. Lines of credit allow you to balance cash flow off-season and keep your operations running smoothly.

Why Consider A Business Credit Line?

Credit lines are easier to qualify for than you might think! There are minimal criteria you must meet (perfect credit is not necessary!) depending on the amount you wish to secure, including:

  • A credit score of at least 650 is required
  • A minimum of 2 years of operation is required for your business
  • An average annual revenue of $180,000 is required


How To Apply?

It only takes a few minutes to apply for a line of credit with IMS Fund. Please fill out our online application, upload your three most recent bank statements, and you're good to go! Upon receipt of your application and bank statements, our Financing Specialist will contact you and let you know what credit line size you qualify for.