Standing capital, on your terms.
Business Line of Credit
A revolving facility you can request draws from in seconds through your portal. Pay interest only on the balance you carry, pay it down when cash is strong, and draw again without reapplying.
- Credit limits
- $250K – $5M
- Draws
- Requested from your portal, approved by our team
- Pricing
- Fixed APR, drawn balance only
- Terms
- 24 – 72 month revolving
Key benefits
Why operators choose it
Request in seconds
Request funds from your dashboard and see the new balance before you confirm. Once approved, funds land the next business day.
Pay for what you use
An undrawn line costs nothing. Interest accrues only on the outstanding balance.
Revolving by design
Pay down and redraw within your limit for the life of the facility — no new application.
Complete visibility
Limit, balance, availability, interest, and maturity are always one screen away.
Ideal use cases
- Smoothing cash flow between large invoices
- Meeting payroll while a receivable clears
- Taking a supplier discount for early payment
- Keeping a reserve for opportunities you can't schedule
Who it's best for
- Businesses with 2+ years of operating history
- $50K+ in monthly revenue with consistent deposits
- Operators who value flexibility and a standing reserve
- Companies that want to build a track record toward larger facilities
Pricing
A fixed APR, in three clear tiers.
Your rate is set at underwriting based on the overall strength and reliability of the business — not just a credit score — and it does not float.
Tier 1
Lowest risk profile9% – 10%
APR · Fixed
Reserved for well-established businesses with strong, consistent performance.
These clients typically demonstrate solid monthly revenue, a proven track record, and the clear ability to manage repayments comfortably. Credit score is considered, but secondary to real business fundamentals. This tier reflects the lowest risk profile within our portfolio.
Tier 2
Established & growing11% – 20%
APR · Fixed
Designed for established businesses that are solid and reliable, but may not yet meet the highest performance benchmarks of Tier 1.
These are still carefully selected clients with meaningful operating history and sufficient cash flow. They often represent growing companies that benefit from flexible capital to strengthen and expand their operations.
Tier 3
Selectively approved20% – 30%
APR · Fixed
Available to businesses that meet our selective underwriting standards but present a higher relative risk profile within our portfolio.
Even at this level, we only work with established operators who show the capacity to support the facility. This tier allows us to support a broader range of qualified businesses while maintaining disciplined pricing.
Questions
Common questions about business line of credit
Once your bank account is on file and coverage is active, you can request a draw from your portal. Our team reviews each request, and approved draws typically arrive the next business day.
Every line is a fixed APR set at underwriting within our published three-tier structure — 9% to 10%, 11% to 20%, or 20% to 30% — based on the overall strength and reliability of the business, not just a credit score. Your rate is stated in your agreement and does not float.
Facilities are written on revolving terms between 24 and 72 months, sized to the business. You can pay down and redraw for the life of the facility, and clients in good standing are typically renewed before maturity.
No maintenance fee. You pay interest on the drawn balance and nothing when it's at zero.
Yes. Limits are reviewed against performance, and many clients see an increase within the first two quarters.
Ready to fund with business line of credit?
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