Business Line of Credit

Capital on standby, for whenever you need it.

A line of credit gives you access to a set amount you can draw from at any time. You pay only on what you use, and as you repay, the funds become available again. It is a cushion for uneven cash flow and unexpected opportunities.

Start an application →Or call (727) 336-0680
$1K–$1MCredit lines
Up to 36 moTerms
1–3 daysTypical speed
— Is it a fit?

Business Line of Credit may be right if…

  • Your expenses or revenue swing from month to month
  • You want a safety net without paying for money you are not using
  • You have been in business at least a year
  • You want to build business credit for larger financing later
— Common uses

What clients use it for

  • Smoothing seasonal cash flow
  • Covering slow-paying customers
  • Restocking inventory
  • Unexpected repairs
  • Short-term opportunities
— At a glance

Business Line of Credit, by the numbers.

Flexible financing that gives businesses access to a set amount of funds, allowing them to withdraw as needed and only pay interest on the amount used.

Max Funding Amount
$1k – $1M
Funding Term
Up to 36 Months
APR / Factor Rates
Starting at 1% per monthInterest-only available
Speed
1–3 Business Days
Credit Score
575+
Time in Business
1 Year+
Repayment Term
Weekly, Monthly
Pros
  • Only pay on what you draw
  • Draw funds immediately
  • Use for a variety of purposes
  • Unsecured lines available
  • Less than perfect credit accepted
Cons
  • Limited credit line amount; it might require collateral*
  • Higher interest rates with bad personal credit
  • Unsecured lines of credit come with higher rates
  • Might require personal guarantee*

Figures shown are typical ranges and may vary. All products subject to approval and underwriting. *Varies by lender.

— How it works

From application to funding
in four steps.

Step 01
Apply

Send the short form below or call us. It takes a few minutes and starts with a soft credit pull where applicable.

Step 02
Review

We review your business and match it with the lenders and programs most likely to fit.

Step 03
Compare

You get side-by-side options with rate, term, payment, and total cost explained in plain English.

Step 04
Fund

Choose the offer that fits, sign, and receive funds, often within days of approval.

What you’ll need to apply

  • One-page application
  • Last 3–6 months of business bank statements
  • Driver's license for each owner
  • Voided business check
— Questions

Frequently asked questions

Do I pay anything if I do not draw on the line?

With most lines you pay only on what you draw. Some charge a small maintenance or draw fee, which we show you up front.

Is collateral required?

Unsecured lines are available for qualified businesses, usually with a personal guarantee. Secured lines can offer larger limits and lower rates.

Let’s talk about
business line of credit.

Tell us a little about the business and what you need. We’ll respond within one business day with next steps.

— Industries we fund
Retail & E-commerceLandscaping & Home ServicesConstruction & ContractorsAuto Repair & Body Shops