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.