Borrow up to
Repay up to
Simple monthly
rates start at
Simple online app that takes five minutes - no impact on your credit 1
Only pay for what you use - no account maintenance or prepay fees 2
Payments replenish available balance - term refreshes with each new draw
Decision in as little as
Funds as soon as
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No minimums or quotas - use it as little or as often as you like for life.
Provide basic info about yourself and your business, and attach a few supporting documents.
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We'll update you with a decision in as little as two (2)Â hours and reach out to review your eligible offer(s) with you.
We'll email you to activate your account - here you'll e-sign your loan documents, request funds, and make payments.
Complete your unique bank verification to verify your bank account and access your line in as little as an hour.
What is a line of credit?
A line of credit gives you access to funds when you want, up to your approved credit limit. Unlike a traditional term loan or cash advance, a line of credit is “revolving credit” – this means that your available credit balance replenishes as you repay your outstanding balance, and you can draw funds again as you need.
A line of credit is unsecured, meaning you don’t need to pledge collateral to secure the transaction.
What businesses are eligible?
Generally, we look for businesses that have been operating for at least a month (1+ years preferred), have a personal credit score of 575 (650+ preferred), and are based in the US.
How long does it take for an approval?
Find out if you're approved in as little as a few hours, typically within 24 hours.
What impact does applying have?
Our lender partners conduct a soft pull, meaning your score will not be affected. In some cases, the lender may require a hard pull – we'll notify you in advance and get your blessing.
How do I draw funds/make payments?
You'll have your own online account where you can log in and request funds at any time. While payments are processed automatically, you can make additional paydowns and review payment history through your dashboard as well.
How much can I draw?
You can draw funds up to your credit limit, whenever you’d like and as many times as you’d like, minus any outstanding balance. For example, if your credit limit is $275,000, and your balance is zero ($0), you can draw $275,000.
Can I get a credit line increase?
Based on your cash flow, net income, and payback history, you may be eligible for a review and credit line increase in as little as 8-10 weeks after making your first draw.
Can I get additional outside funds?
In most cases, taking on additional funding, or stacking, can negatively impact your credit line and may lead to a hold on your account. We strongly recommend that you reach out before applying for funding elsewhere.
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The lenders that are available to consumers through the platform may vary by state and other criteria.
