Business Lines of Credit
Revolving capital with 3 interest-only months up front. Draw it, repay it, draw it again.
A business line of credit gives you a set limit you can draw on whenever you need it. You only pay on what you use, and as you repay, the line becomes available again. Our newest revolving line partners open with three interest-only months, then amortize over a 24-month term — with cost of capital around 1% per month on qualified files.
From application to wire
- 1
Get your limit
Limits are sized from revenue, time in business, and credit — typically 1–2× monthly revenue.
- 2
Draw on demand
Pull funds by ACH whenever you need them — the same day in many cases.
- 3
3 months interest-only
Qualified lines start with interest-only payments, keeping cash in the business while the draw goes to work.
- 4
Repay & reuse
Payments restore your available balance so the line stays ready for the next opportunity.
Best for
- Payroll safety net and uneven receivables
- Opportunistic inventory buys
- Businesses that want capital available without paying for it idle
- Owners stepping up from MCA to cheaper, revolving capital
What the numbers look like
Wholesale distributor floats a bulk buy
- Line approved
- $0
- Draw
- $0
- Months 1–3
- ~$0/mo interest-only
- Months 4–24
- ~$0/mo
Result: Captured a 12% bulk discount on inventory — more than covering the cost of the draw.
Staffing agency payroll bridge
- Line approved
- $0
- Average draw
- $0 for 30 days
- Cost per cycle
- ~$0
- Availability
- Restores on repayment
Result: Made payroll every week while waiting on Net-45 client invoices, without a single advance.
Examples are illustrative composites to show how the product works. Actual amounts, pricing, and terms depend on underwriting.
Where Line of Credit works best
Wholesale & Distribution
Buy inventory when the deal is there, repay as it sells.
Staffing & Professional Services
Cover payroll while invoices age.
Construction
Fund materials between progress draws.
E-commerce
Scale ad spend and inventory together.
Healthcare
Smooth insurance-reimbursement lag.
Run your Line of Credit numbers
- Revenue profile: $100,000/month
- Credit profile: Good (680-719)
- Operating history: 2+ years
Illustrative: 3 interest-only months, then the draw amortizes over the remaining 21 months of a 24-month term. Not an approval or offer.
Straight answers
Do I pay on the full limit?
No. You only pay on funds you've drawn.
What does interest-only mean here?
For the first three months on qualifying lines, you pay only the cost of capital on the draw — no principal.
Can I combine a line with other products?
Yes. Many clients pair a line with equipment or term financing.
Money talks. Ours ROARS.
One application. Every program we have. Mix and blend products on the same file.
Applying does not obligate you to accept an offer. By applying you agree to our Terms & Merchant Agreement, Privacy Policy, and Legal & Disclaimers. Text messages are sent only with your express consent; consent is not a condition of funding. Msg & data rates may apply. Reply STOP to opt out, HELP for help.