Business Lines of Credit — How It Works
The Process, Step by Step
We built this to be simple. No surprise fees, no hard sells — just a clear path from question to funding.
Understand Your Options
Browse our free guides and use our calculators to understand what loan products fit your situation — before you talk to anyone.
Prepare Your Application
Gather your financial statements, tax returns, and business docs. Our checklist walks you through exactly what lenders want to see.
Submit & Get Matched
Complete a single application. We review your profile and match you with lenders from our vetted network who are likely to approve you.
Review Offers & Close
Compare offers side by side — rate, term, fees, and monthly payment. Choose the one that works for your business and close on your timeline.
What Lenders Evaluate
Credit Profile
Business and personal credit scores, payment history, and outstanding debt all factor into approval and rate.
Cash Flow
Lenders want to see consistent revenue that more than covers your debt obligations — typically 1.20x DSCR or better.
Time in Business
Most lenders want 2+ years in operation. Startups have options but face stricter terms and lower limits.
Collateral
Assets pledged as security reduce lender risk and often lead to better rates and higher approvals.
Documentation
Tax returns, P&Ls, bank statements, and a coherent business plan are table stakes for any application.
Industry & Use
Lenders assess industry risk and want to know specifically how the funds will be used and how that drives repayment.
Loan Types
Flexible credit solutions for every stage of business.
Business Line of Credit
Draw what you need, when you need it. Pay interest only on what you use.
HELOC (Business)
Tap home equity for business funding. Lower rates, flexible draw period.
Invoice Financing
Convert outstanding invoices to immediate cash. No new debt on balance sheet.
Inventory Financing
Finance inventory purchases. Line secured by the inventory itself.
Working Capital Loan
Term loan structure for a specific working capital need — faster than traditional SBA.