Business Line of Credit

Flexible revolving credit to manage cash flow, cover working capital needs, and seize business opportunities as they arise.

A business line of credit provides on-demand access to capital when you need it most. Unlike traditional loans that provide a lump sum, a credit line lets you draw funds as needed, pay interest only on what you use, and reuse your credit as you repay—perfect for managing cash flow gaps and unexpected expenses.

Key Benefits of a Business Line of Credit

Revolving Credit

Borrow, repay, and borrow again up to your credit limit—ongoing access to funds when you need them.

Pay for What You Use

Interest is charged only on the amount you draw, not your entire credit limit.

Flexible Use

Use funds for any business purpose including inventory, payroll, equipment, or unexpected expenses.

Financial Safety Net

Protect your business from cash flow gaps and capitalize on time-sensitive opportunities.

Common Uses:

  • Managing seasonal cash flow fluctuations
  • Covering payroll during slow periods
  • Purchasing inventory for peak seasons
  • Taking advantage of supplier discounts
  • Emergency repairs or unexpected expenses
  • Bridging accounts receivable gaps

Business lines of credit are typically reviewed annually and may require periodic financial updates. Credit limits range from $10,000 to $500,000+ based on business revenue, credit history, and financial strength.