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Line of Credit

Small Business Line Of Credit.

Unsecured Credit Limit: Revolving, up to $500,000

Flexible Payments: Only pay interest on what you use

Instant Access: Access to capital when you need it

Dedicated Advisor: A specialist for every application

Flexible, fast, and always available—your business deserves a funding solution that works as hard as you do.

What Is An Unsecured 
Business Line Of Credit?

A Business Line of Credit offers the flexibility your business needs to manage cash flow, cover short-term expenses, and take advantage of growth opportunities—all without the commitment of a long-term loan. Unlike a traditional business loan, a line of credit allows you to access funds on-demand, giving you the freedom to borrow only what you need and repay based on usage. Whether it’s to bridge cash flow gaps, purchase inventory, or invest in new opportunities, our business line of credit puts financial control back in your hands.

Best Ways To Use Your Revolving 
Business Line Of Credit.

This type of funding is particularly useful for businesses seeking to maintain financial fluidity without committing to a long-term loan. It's a powerful tool for ensuring financial agility and resilience in a dynamic business landscape.

Icon of a bar chart representing how a business line of credit can be used to seize growth opportunities
Growth Opportunities

When an opportunity presents itself, don't let a lack of funding hold you back.

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Unexpected Expenses

It happens to the best of us. For those things, good and bad, that you just never see coming.

Icon of a dollar sign representing how a line of credit can stabilize business cash flow
Managing Cash Flow

Managing the ebbs and flows and ups and downs is a reality every business owner knows. 

Icon of a document with a dollar sign representing using a business line of credit to cover payroll costs
Covering Payroll Costs

When payday conveniently falls on the same day an opportunity of a lifetime presents itself.

Icon of a a pallet of boxes representing how businesses can use a line of credit to fund project or job supplies
Project or Job Supplies

While you're waiting to get paid for the last job, but need the capital start on the next one.

Icon of revolving arrows representing a line of credit’s role in managing recurring expenses
Reoccurring Expenses

For those predictable, planned costs, the ones that happen like clockwork, every month. 

Icon of a shopping basket representing using a business line of credit to restock inventory efficiently
Restocking Inventory

Every business needs a product to sell. For when yours starts to get a little too low..

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Any Short-Term Need

Any situation that you wouldn't want to still be paying for in 1+ years from now.

Unsure if it's a fit? Check out the funding product use case evaluation for guidance,

or schedule a complementary funding consultation to discuss your specific needs.

The Key Benefits Of A Small Business Line Of Credit.

A Business Line of Credit provides a flexible financial solution with numerous advantages. With revolving credit, you can borrow, repay, and borrow again—ensuring funds are available whenever your business needs them. Interest is only charged on the amount borrowed, keeping costs manageable. Additionally, timely payments can help build your business credit profile, improving your chances of securing larger funding in the future. The flexibility and accessibility of a business line of credit make it the perfect tool to help businesses stay agile and competitive in a fast-moving marketplace.

Icon of a revolving arrows symbol representing the ability to reuse credit as it’s paid down

Revolving Credit Usage

This unique feature allows businesses to borrow, repay, and re-borrow funds up to a pre-determined credit limit. It offers flexibility, as businesses can manage cash flow without applying for multiple loans.

Icon of a stopwatch representing the fast access to cash with a business line of credit

Quick Access To Funds

Once established, a line of credit provides quick access to funds, ofter through simple bank transfers or a designated card. This immediate availability is crucial to manage unexpected or time sensitive needs.

Pay On Amount Borrowed

Businesses are only charged interest on the amount of money they actually draw, not on the total credit limit. This can significantly reduce the cost, compared to traditional loans.

Icon of three upward pointing arrows representing how a line of credit can help build business credit

Build Business Credit

Proper use of a business line of credit can help you improve your business credit score by demonstrating creditworthiness through timely payments. Conversely, mismanagement can harm your business' credit substantially.

Icon of a dollar bill with a checkmark representing paying only for the funds used from the line of credit

How The Smartest Businesses Leverage Lines Of Credit.

Unlock the full potential of your business credit line by using it strategically to boost your business' financial flexibility and help you achieve steady, scalable growth.

Icon of people with an upward pointing arrow representing how a line of credit helps your stay ahead of the competition

Staying Ahead of Competitors

Use your available credit to take advantage of new opportunities before your competition does.

An icon of a computer screen and an upward trending arrow representing financial stability achieved with a line of credit

Maintaining Financial Stability

Even out your business' cash flow fluctuations and avoid seasonal or economic revenue dips.

Icon of a wallet with money representing the flexibility to handle unexpected expenses with a line of credit

Flexibility for Unpredictable Expenses

Give yourself a safety net to tackle unexpected costs without dipping into emergency reserves.

Icon of a hand holding a coin representing making the most out of your line of credit

Making the Most of Your Credit

Borrow only what you need, and only when you need it, to avoid taking on unnecessary debt.

How To Qualify For A Revolving Small Business Line Of Credit.

These requirements are a general rule of thumb, but by no means, are they set in stone. Certain exceptions can be made, depending on the circumstances. If you're unsure if you qualify, contact us for personalized assessment.

Icon of a hand holding money representing the minimum revenue requirement of $30,000 monthly for qualification

Minimum Revenue

Minimum of $30,000 average monthly revenue

Icon of a clock representing the requirement of at least 2 years in business to qualify.

Minimum Time in Business

Minimum time in business of at least 2 years or more

Icon of a credit card representing the minimum personal credit score requirement of 650 or higher

Minimum Credit Score

Minimum personal credit score of 650 or higher

Icon of an extending handing holding money representing the need for a clean payment history with no recent defaults

Past Payment History

No active judgments or recent charge-offs on credit report

Applying For A Small Business Line Of Credit.

Applying for a business line of credit is simple and straightforward. Our streamlined application process ensures you can access funding quickly without the hassle of traditional bank loans. Whether you’re covering short-term expenses or preparing for future opportunities, our process is designed to fit your needs with minimal paperwork and fast approvals.

Step 1: Complete Your Application

Fill out our quick online form with basic business details and recent business bank statements.

Step 2: Get Approved For Funding

Our team will review your submission and provide tailored funding options to suit your needs.

Step 3: Gain Access To Your Funds 

Once approved, you can draw funds from your line, up to your credit limit, whenever you need them.

Ready To Secure Your Revolving
Business Line Of Credit?

Applying for a Business Line of Credit is quick and easy. With just a short online application, you can receive an approval decision within hours. Our flexible credit options allow you to access funds as needed, with no obligation to use the full credit limit. Whether you’re looking to cover day-to-day operations or take advantage of unexpected growth opportunities, our business line of credit is here to support you. Apply today and take control of your business finances with confidence.

Still have questions? Check out our FAQs below or speak with a funding specialist.

  • What funding options does Capitalize Funding offer?
    At Capitalize Funding, we specialize in all aspects of business funding, from business loans, to working capital, to lines of credit.Our services are designed to support your business's growth and financial stability. For a comprehensive list of available options, please see our Funding Products page.
  • What is Capitalize Funding's application process?
    Our application process is streamlined and user-friendly. Get started by filling out a quick, one-page application online, found on our website. Following this, a dedicated funding advisor will reach out to you to discuss your needs and the available options. Once you've selected your offer, the funds are distributed directly to your bank account. The whole process can be completed within hours. For a more step-by-step walkthrough on the funding process, please see our How It Works page.
  • How is Capitalize Funding different than other funding providers?
    We pride ourselves on our bespoke, personalized approach and our unwavering commitment to understanding the unique needs of each and every one of our clients. Our innovative funding solutions, combined with our team's expertise and experience, ensure that we stand out as a trustworthy partner in your business's growth. Read more about Capitalize Funding on our About Us page.
  • What uses are working capital loans the best suited for?
    Working capital loans help small businesses like yours meet short-term operational expenses, such as payroll, stocking inventory, and marketing. They are an ideal funding solution to help stabilize cash flow and meet immediate business needs. Working capital loans are designed for business owners who need flexible, short-term funding without the hassle of going to a traditional bank.
  • How do I know if a working capital loan is right for my business?
    Choosing the right type of funding is entirely dependent on your business needs. A working capital loan is ideal for short-term expenses such as payroll, inventory purchases, and covering seasonal fluctuations. If you’re considering using the funds for a long-term investment, like expanding your business or purchasing major assets, ask yourself this: “Will this expense still benefit my business in two, five, or ten years?” If the answer is no, then your business will be better suited for a short-term funding option, like a working capital loan.
  • Can I qualify for a working capital loan if I have bad credit?
    Absolutely. While traditional lenders heavily weigh credit scores, our position is that your credit score has absolutely no bearing on your ability to repay a loan. Our working capital loans focus on your business’ cash flow and overall financial health. If your business generates consistent revenue and has a solid track record, you will qualify. Our goal is to provide funding solutions that are accessible and realistic, even for businesses with less-than-perfect credit. Plus, working capital loans can help you establish a credit history by demonstrating responsible repayment, making future funding even easier to obtain.
  • What are the advantages of short-term funding?
    Short-term funding offers flexibility and quick access to cash without locking you into long repayment terms that could impact your business’s ability to secure future funding. Long-term loans might seem attractive, but they can strain your credit and increase your debt-to-income ratio, limiting future borrowing power. On the other hand, short-term loans are designed to address immediate needs and provide a financial safety net, ensuring you have the agility to adapt to unexpected challenges without being overleveraged.
  • How can I be sure working capital is affordable for my business?
    Short-term funding often comes with higher payments than long-term loans, which can seem intimidating at first. However, what many business owners don’t realize is that working capital loans are designed to be the most affordable financing option available. Unlike traditional fixed-payment loans, working capital loans are revenue-based, meaning payments adjust according to your business’s cash flow. Each month, your repayment is calculated as a fixed Specified Percentage (usually around 15%) of your gross monthly revenue, ensuring that you always retain 85% of your income to cover operating costs. If your revenue decreases, you can request a reconciliation to adjust your payment accordingly—something you’re legally entitled to do every 30 days. Since these loans are unsecured and often don’t require a personal guarantee, funders have every incentive to ensure your business remains successful and profitable. They win when you win—making working capital loans an incredibly flexible and sustainable solution for managing short-term expenses.
  • What is a business line of credit, and how does it work?
    A business line of credit is a flexible financing solution that allows businesses to borrow funds up to a predetermined limit and repay only what they use. Unlike a traditional term loan, you can draw funds as needed and only pay interest on the amount borrowed. This makes it an excellent option for managing cash flow, handling unexpected expenses, or seizing growth opportunities without committing to a lump sum loan.
  • How is a business line of credit different from a term loan?
    A business line of credit provides revolving access to funds, meaning you can withdraw and repay multiple times within your credit limit. A term loan, on the other hand, provides a fixed amount upfront with set repayment terms. A line of credit offers more flexibility for ongoing or unpredictable expenses, while a term loan is better suited for one-time large purchases or investments.
  • What can I use my business line of credit for?
    A business line of credit can be used for virtually any short-term business expense, including covering payroll, purchasing inventory, investing in marketing efforts, or bridging cash flow gaps during slow seasons. This product is especially great for businesses that have ongoing, reoccurring expenses. This flexibility allows you to address both planned and unexpected costs efficiently.
  • What are the advantages of having a revolving line of credit?
    Having a revolving line of credit offers peace of mind and financial flexibility. You can access funds whenever needed without reapplying, and you only pay interest on the amount you use. This provides businesses with a safety net to handle fluctuating expenses and growth opportunities without straining cash reserves.
  • How do I know if a business line of credit is right for me?
    If your business experiences fluctuations in cash flow, has seasonal demands, or requires ongoing access to funds for operational expenses, a line of credit may be the perfect fit. It’s ideal for businesses that prefer flexibility over fixed repayment structures and want to avoid taking on unnecessary debt.
  • What is cash flow funding, and how does it work?
    Cash flow funding is a short-term financing option designed to help businesses manage temporary cash shortages. It provides immediate working capital based on your revenue, allowing you to cover expenses such as payroll, inventory, or other operational costs. Unlike traditional loans, cash flow funding offers flexible repayment options and early payoff incentives to help businesses save on interest.
  • How is cash flow funding different from a traditional loan?
    Traditional loans often require extensive documentation, strong credit history, and long repayment terms. Cash flow funding, on the other hand, focuses on your business’s revenue performance and provides fast access to funds with minimal paperwork. Plus, it offers flexible repayment options based on your cash flow, making it an ideal solution for short-term needs.
  • What are the benefits of early payoff discounts?
    Early payoff discounts allow you to reduce your total repayment cost by settling your balance ahead of schedule. This feature makes cash flow funding one of the most cost-effective options for businesses that expect a quick revenue turnaround and want to save on financing costs.
  • How quickly can I get funded?
    With a streamlined application process and fast approval times, cash flow funding can provide businesses with access to capital in as little as 24 hours. The exact timing depends on how quickly required documents are submitted and reviewed.
  • Is cash flow funding right for my business?
    If your business experiences fluctuations in cash flow, such as seasonal slowdowns or delayed receivables, cash flow funding can help bridge those gaps without long-term financial commitments. It’s best suited for businesses looking to cover short-term operational needs without taking on unnecessary debt.
  • What is an MCA consolidation, and how does it work?
    MCA consolidation is a strategic financing solution designed to manage multiple daily or weekly merchant cash advance payments. Instead of juggling several withdrawals, the consolidation provider deposits funds into your account to cover your existing MCA payments. In exchange, you make a single, smaller payment—freeing up cash flow and easing financial stress
  • How does an MCA consolidation improve my cash flow?
    By reducing the frequency and amount of daily withdrawals, an MCA consolidation provides instant relief and allows you to allocate funds more effectively. Instead of multiple payments draining your account daily, you’ll have a predictable weekly payment schedule, creating better cash flow management.
  • Can I still qualify if I have a lot of merchant cash advances?
    Yes! MCA consolidations are specifically designed for businesses with multiple advances. We are able to consolidate up to 7 separate advances and save you money. Approval is based on your revenue, and as long as you are not currently in default or missing payments, you can take advantage of the relief that comes along with MCA consolidations.
  • What happens if my business revenue changes after consolidating?
    MCA consolidations are still revenue-based and designed to be flexible, just like an MCA. If your revenue fluctuates, you are able to request what's called a reconciliation, which will adjust your payment schedule in accordance with your current revenue, ensuring affordability and preventing financial strain.
  • Is an MCA consolidation a default and will it affect my credit?
    No. This is not debt settlement. Although many debt settlement companies like to call their product a consolidation, it is not. Debt settlement puts you into default and forces your lenders to action and file a judgment against you and your business. MCA consolidations give you a way to repay your debt obligations, on a modified schedule, which allows you to stay current on payments and in good standing with your lenders, and without putting any further strain on your business operations. In fact, consolidating can even improve your financial standing by ensuring your payments remain manageable and consistent There are no negative consequences to consolidating your MCAs, as they will all be paid off at the agreed upon terms of the contract. Consolidating will not hinder your ability to obtain funding again in the future should the need arise, whereas debt settlement guarantees that you will never qualify for funding again.
  • How fast can I get a funded with merchant cash advance?
    You can receive funding in only a matter of hours. We understand time is of the essence when it comes to funding your business. Our fast business funding process guarantees not to waste any of yours. From the time your application and documents are submitted, you can receive an offer as soon as 1-hour from then, and once the terms are accepted, funding typically happens 1-2 hours after. Depending on the time of day, the whole process can be completed in as little as 3 hours.
  • What’s the difference between an MCA and a traditional small business loan?
    Unlike traditional loans, merchant cash advances provide quicker approvals and repayment based on entirely on your daily sales, rather than keeping your business chained to a fixed monthly payment, making them ideal for businesses with fluctuating revenue, as they provide a safeguard from anything unexpected that life throws your way.
  • Can I use a cash advance for any business expense?
    Absolutely! Unlike traditional loans, there are no restrictions on how you choose to use the proceeds from an MCA. Whether you need to cover payroll, purchase inventory, or handle unexpected costs, a merchant cash advance offers flexible working capital solutions tailored to your business.
  • Are small business cash advance loans easy to qualify for?
    Yes! MCA funding is primarily based on your revenue, not your credit score. As long as your business processes regular transactions with some degree of consistency, you can qualify for funding with very minimal requirements.
  • Is a merchant cash advance a good option for businesses with cash flow gaps?
    Yes, MCAs are tailor-made for your business! The are an excellent solution for any businesses facing seasonal slowdowns or unexpected expenses, offering quick relief without the hassle of traditional loans, and financial protection from all things unknown.
  • What is equipment financing, and how exactly does it work?
    Equipment financing allows businesses to purchase new or used equipment with as little as $0 down, and affordable monthly payments instead of paying the full cost upfront. Once approved, the funds are paid directly to the equipment vendor in full and the equipment becomes yours. It is, however, secured by the loan until the balance is paid in its entirety, at which point, the ownership is reverted to you.
  • What types of equipment can be financed?
    Virtually any business equipment can be financed, including heavy machinery, office equipment, technology upgrades, vehicles, and specialized tools for your industry.
  • How fast can I get approved for equipment financing?
    Approvals can happen in as little as 24-hours, with funding available and funding happening within 48-hours from the time of accepting the offer terms. Be sure to submit the purchase order or invoice from the vendor along with your application and documents.
  • What are the typical repayment terms for equipment financing?
    In many cases, financing is available for up to 100% of the equipment value, with repayment terms typically range from 12 to 84 months, depending on the equipment type, financing amount, whether the equipment is new or used, and business qualifications.
  • How does equipment financing compare to equipment leasing?
    Financing allows you to own the equipment at the end of the term. Once your equipment financing balance is paid in its entirety, the equipment is no long secured by the loan and full ownership is reverted to you. In contrast, leasing provides temporary access with potential lower monthly costs, but no ownership, even after the lease is paid.

Small Business Line
Of Credit
 
Frequently
Asked Questions
.

Still have questions about how a business line of credit can support your business? We’ve compiled answers to the most commonly asked questions below to help you understand how this flexible financing solution works and can benefit your business.

Not quite the right fit for your business? Explore these other funding options.

Or schedule a funding consultation for a complimentary business funding analysis.

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