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 you can draw funds again as you need, and your available credit replenishes as you repay back your outstanding balance.
A Line of Credit is unsecured, meaning you don’t need to pledge collateral to secure the transaction.
What businesses are eligible?
We look for businesses that have been in business for at least three (3) years, have a personal credit score of 650 or more, and are a corporation or LLC based in the US. Due to regulations, Lines of Credit aren't available in ND, SD, or VT.
Have doubts about your industry type? See the full list.
How long does it take to get an approval?
You can find out if you’re approved in as little as two (2) hours after you apply.
Does applying affect my credit score?
Our lender partners will conduct a soft pull, meaning your score will not be affected. For businesses organized as sole proprietors or general partnerships, the lender may perform a hard pull only once you’ve received and accepted your offer.
How do I draw funds and make payments?
You will open a partner account with your very own customized dashboard. Conveniently, you can log in and request funds whenever you’d like.
While payments are processed automatically according to your arrangement, you can make additional payments by logging into your online account 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 credit line increase in as little as 6-8 weeks after making your first draw.
Can I get additional outside funds?
Taking on additional funding, or stacking, can negatively impact your credit line and may lead to the Lender putting a hold on your account. We kindly ask that you reach out before applying for funding elsewhere by visiting our contact us page or contacting your account manager.
1
While applying for and reviewing an offer will not impact your credit score, accepting an offer may result in a formal inquiry. Rest assured, you will be notified in advance if this were to occur.
2
There are no account maintenance fees for a Line of Credit, however, each draw is subject to a draw fee. Eligibility for the lowest rates is available to applicants with the strongest credit profiles. Early repay savings are calculated by waiving the interest from remaining payments at payoff.
All product names, logos, and brands used throughout the Website are for identification purposes only. Programs, loan amounts, rates, and terms vary based on creditworthiness, and economic landscape, among other factors, and are subject to change.
