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Line of Credit
A cushion you tap only when you need it.
Amount
$10K – $5M
Speed
Typically 1–3 days · revolving
Term
Revolving
Collateral
Usually unsecured
A revolving credit line you draw from as needed and pay interest only on what you use. Ideal for businesses with seasonal or unpredictable cash flow.
How it works
Once approved, you have a set limit available on demand. Draw $20K this month, pay it back, draw again next quarter — interest accrues only on the outstanding balance.
Funding a draw is quick (often same-to-next day) because the underwriting already happened up front.
Things to weigh
- •You only pay for what you draw, so an unused line costs little to keep available.
- •Limits and rates depend on revenue consistency and credit — stronger profiles get larger lines at better rates.