A business line of credit you can actually get approved for.
Draw what you need, when you need it, and pay only on what you use. Approval is weighted toward your revenue — not just your credit score — so a bank decline doesn't end the conversation.
Flexible funds on standby.
A business line of credit is a pool of capital your business can draw from whenever it needs to — then repay and draw again. Instead of borrowing one fixed amount, you keep a cushion ready for whatever the month throws at you.
You only pay for what you actually draw, which makes a line of credit the right structure for businesses with seasonal swings, recurring short-term needs, or owners who simply want a safety net that costs nothing to have ready.
Best for
- Seasonal swings
- Recurring expenses
- Emergency cushion
- Opportunistic inventory buys
At a glance
Funded in three steps.
No stacks of paperwork. No waiting weeks for a committee. Just a straight answer, fast.
Apply in about 2 minutes
Tell us a few basics about your business and revenue. Applying won't impact your credit.
Get matched
We review your whole business — not just a credit score — and match you with the funding option you qualify for, even after a bank decline.
Get funded
Approve the terms and receive funds in as little as 24–48 hours.
Do you qualify?
The bar is simpler than a bank's. If you clear these, it's worth applying — it's free, takes about 2 minutes, and won't touch your credit.
6+ months in business
Your business has been operating for at least six months. Years of history aren't required.
$10k+ in monthly revenue
Steady deposits matter more than a score. Around $10,000 a month is the floor.
All credit considered
Past credit issues or a recent bank decline don't rule you out. Approval is revenue-driven.
U.S.-based business
Funding providers currently work with businesses operating in the United States.
Cost at a glance
You pay for what you use. That's the point.
With a line of credit, cost tracks usage: interest and fees apply to the amount you've drawn, not the full limit. An untouched line costs little or nothing to keep open — though some providers charge small maintenance or draw fees, which you'll see in writing before you sign.
Rates on revenue-based lines run higher than bank lines — that's the trade for accessibility and speed. The discipline that makes a line cheap is simple: draw for things that make or protect money, repay promptly, and let the line sit ready the rest of the time.
Your limit is set by the funding provider based on your monthly revenue and overall business health, and it can grow as your deposits do.
Lines of credit, answered.
Can I get a business line of credit with bad credit?
Often, yes. Providers weigh your monthly revenue and business health more heavily than your credit score. All credit profiles are considered — the floor is 6+ months in business and roughly $10k+ in monthly revenue.
How is a business line of credit different from a business credit card?
A line of credit typically offers higher limits, cash access without cash-advance fees, and pricing built for operating expenses like payroll and inventory — things you often can't or shouldn't put on a card.
How is my credit limit determined?
Primarily by your monthly revenue and the overall health of your business. Steady, growing deposits support a higher limit, and many providers increase limits after a history of clean repayment.
Can I get a line of credit after my bank declined me?
Yes, that's common. Bank lines lean hard on credit scores, collateral, and years of history. The providers we work with underwrite on revenue — which is exactly why this product exists.
Do I pay anything if I never draw on the line?
Usually little or nothing, though some providers charge a small maintenance fee. Every fee appears in the written terms before you accept — no surprises.
How fast can I access funds?
Setting up the line takes days, not weeks. Once it's open, draws typically land in your account quickly — often within one business day, depending on the provider.
Explore other options: Working Capital · Equipment & Term · Revenue-Based Funding
Put a cushion in place before you need it.
Apply in about 2 minutes. No cost, no obligation, no impact to your credit — and a line that's ready when the unexpected shows up.
Get Funded