A revolving line from $10K to $500K that sits ready for slow seasons, surprise expenses and sudden opportunities. Draw in minutes, pay interest only on the balance, repeat as needed.
$10K – $500K linesInterest only on drawn fundsReplenishes as you repay
Size your credit line
Three quick questions — see your likely limit.
Amount
Use
Contact
Secure & confidential. No obligation.
At a Glance
Lines of credit, at a glance
The financial seatbelt of the product lineup — costs nothing to have on, priceless when you need it.
Line size$10K – $500KGrows with your revenue history
You pay interest onDrawn funds onlyAn unused line can cost $0
Draw speedMinutesTransfer to your account on demand
ReplenishmentAutomaticRepay and the credit returns
Always-on capitalThere before you need it
What It Is
The difference between a crisis and an inconvenience
A business line of credit is pre-approved capital that sits idle until you call on it. The walk-in freezer dies, a key client pays 45 days late, a supplier offers 30% off for bulk orders — you draw exactly what the moment needs, and interest accrues only on that balance.
Repay it and the full line is available again, no reapplication. It’s the product seasoned owners set up before they need it, because the best time to get approved is when business is good.
Loans are for known amounts. Lines are for real life.
It revolves
Draw $30K, repay it, draw again next quarter. One approval covers years of ups and downs — no new application each time capital is needed.
Reusable capital
It’s nearly free to hold
Interest applies only to drawn balances. A standby line through a quiet year can cost you nothing while removing the whole category of cash-crunch risk.
$0 when unused
It’s instant when it matters
The approval already happened. When the moment hits, funds move from line to bank account in minutes — not the days a new loan would take.
Same-day draws
It builds your ceiling
Clean draw-and-repay history is the fastest track to larger limits and better pricing across every product we offer.
Limit increases
Simple Process
One approval, years of coverage
Set it up on a good day. Thank yourself on a bad one.
01
Apply once
The application below takes about four minutes. Bank statements get you the largest starting limit.
~4 minutes
02
Get your limit
Approval typically lands within 24 hours with a clear limit, draw terms and pricing schedule.
Within 24 hrs
03
Draw when needed
Move funds to your business account in minutes through your portal — $2K or the full line, your call.
On demand
04
Repay & repeat
Payments rebuild your available credit automatically. Strong history unlocks limit increases over time.
Here’s the trap owners fall into: they wait until cash is tight to apply — exactly when approval odds are worst. Lenders size lines on recent revenue strength, so the smartest application is the one you file in a strong month.
On most of our programs, no — you pay interest only when you draw. A small number of lenders charge a modest maintenance fee, which your specialist will disclose upfront so you can simply pick a program without one.
Lines deliver actual cash to your bank account — payroll, rent and suppliers who don’t take cards — typically at much higher limits and lower rates than cards. Many owners keep both: card for purchases and points, line for real capital.
Once your line is active, draws are typically same-day, often within minutes to a linked business account. That immediacy is the entire point of setting it up in advance.
Yes — draw-and-repay history is exactly what lenders want to see. Many clients start around $25–50K and graduate to six figures within a year of clean usage.
Each draw repays over a set schedule — commonly 6–18 months, weekly or monthly — and repaid principal immediately refills your available credit. You’ll see the exact schedule before your first draw.
Usually, yes. A line stacks cleanly alongside an existing term loan or equipment financing, and lenders view a modest standby line as healthy treasury management rather than debt appetite.
