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Line of Credit

A line of credit, not a one-time lump sum.

Draw what you need, when you need it, and only carry a balance on what you actually use. Reuse it as you repay.

Apply Now →How It Works
RevolvingStructure
2–4 hrsDecision
NoTax returns
ReusableAs you repay

Why a line instead of a loan

A line of credit sits available until you need it. That makes it the right tool for uneven cash flow — payroll gaps, seasonal swings, or an opportunity that shows up with two days’ notice.

Draw only what you need
Reuse the line as you repay
4-minute application, no tax returns
Decision in 2–4 hours
500+ FICO accepted

How it works

1. Apply online

A 4-minute application. Basic business information. No tax returns required.

2. Submit statements

Three months of business bank statements and ID. Upload securely.

3. Decision in 2-4 hours

A specialist reviews the file and matches you to the right funding product.

4. Funded

Most files complete the entire process, application to funds in the account, in under 72 hours.

Common questions

How does a line of credit work?

You draw what you need, pay it down, and can draw again — unlike a term loan, which is a single lump sum.

How fast is the decision?

2 to 4 hours.

Do I need tax returns?

No.

What credit score is required?

500+ FICO accepted.

Access $5K to $5M in business funding

Decisions in 2–4 hours. Same-day funding available. No tax returns required to apply.

Apply Now →