Lines of credit.
Revolving capital that draws when you need it and rests when you don't. Pay interest only on what you use.
- Amount
- $25K – $500K
- Structure
- Revolving
- Time to fund
- 7 days to open
When a line fits.
- Smoothing receivables cycles (clients on net-30 / 60 / 90)
- Funding inventory builds before a sales push
- Standing capital for payroll, vendor payments, opportunistic buys
- Bridging cash flow without committing to a long-term loan
- Building a cushion before you need one
How the deal is built.
- Amount
- $25,000 – $500,000
- Term
- Revolving (12 or 24 month renewable)
- Rate type
- Variable (Prime + margin)
- Payments
- Interest-only on drawn balance, then amortizing
- Collateral
- UCC blanket on business assets
- Personal guarantee
- Required from 20%+ owners
- Time to fund
- 7 days to open · same-day draws thereafter
What it takes to qualify.
- 1+ year in business
- 620+ personal FICO from majority owner
- $30,000+ in monthly revenue
- Clean accounts receivable (no significant aging)
How we structure it.
A line of credit is leverage for businesses that already work — not a fix for businesses that don't. We size lines to your verified monthly cash flow, not to a marketing number.
Once open, draws hit your account same-day. You only pay interest on what you've drawn. Unused capacity costs nothing.
Questions about lines of credit.
How fast can I draw?
Same business day once the line is open. Most lines open in 7 days from approval.
What's the difference between a line and a term loan?
A line is revolving — you draw what you need, pay it back, draw again. A term loan is a one-time disbursement with a fixed payment schedule. Pick the line if your need is recurring; the term loan if it's a single deal.
Are there draw fees?
No per-draw fees on standard lines. Some larger lines carry a small annual maintenance fee — we'll disclose it before you sign.
What happens at renewal?
We re-underwrite at month 12 or 24 (depending on your structure) using your latest financials. Strong performance often unlocks a higher limit or better rate.
Is there a minimum draw?
Typical minimum draw is $1,000. No maximum below your approved limit.
How does interest accrue on a line?
Interest accrues daily on the drawn balance. You're billed monthly on the interest portion until you choose to amortize a draw.
Can a line convert to a term loan?
Yes. If a portion of your line becomes a long-term need, we can convert that balance to a fixed-payment term loan inside the same relationship.
What if I never draw on the line?
An open, undrawn line costs you nothing — no minimum interest, no draw-required clauses. Unused capacity is a buffer, not an obligation.