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What is a Line Of Credit? 

A business line of credit is a form of small business funding that provides a pool of funds to draw from when you need capital for business expenses. Draw on your small business line of credit to easily access capital to handle cash flow gaps, get more working capital, buy inventory, or address almost any other emergency or opportunity. You’ll only repay what you withdraw, and you’ll do so with an agreed-upon interest rate and repayment term.

$1K to over $100K

Maximum Loan Amount

12 weeks to 24 weeks

Loan Term

4.99% - 9.99%

Interest Rates

As fast as 1 day


Things to consider


  • Bad credit is acceptable
  • Capital is available when needed
  • Lowest interest rates
  • Only pay interest on funds drawn
  • Suitable for a wide range of business purposes


  • Must be in business at least a year
  • Must make at least $25,000 a year

Most customers who were approved had

Annual Revenue

Over $25K

Credit Score


Time in Business

Over 1 year

Compared to other loan types 

Loan TypesMax AmountInterest RateSpeed
SBA Loan$5K - $5MStarting at 6.75%As fast as 3 weeks

Commercial Lending$25K to $5M7% - 30%As fast as 2 days
Invoice FinancingUp to 100% of
invoice value
8% - 30%As little as 1 day
Line of Credit$10K to over $1M7% - 25%As little as 1 day

Merchant Cash Advance$2.5K - $500K1.14 - 1.49As little as 1 day
Business Credit Card$500 - $250K0% - 25%As fast as 7 days