$25K–$750K Revolving business line of credit
A line of credit that rises to meet you.
Draw what you need, pay only for what you use, and watch your available credit refill as you repay. Type an amount below to see exactly what a draw would cost — no surprises.
Illustrative only, at an example ~1.1%/month draw rate. You pay interest only on what you draw — never on the full limit. Your actual limit and rate are set after a quick review.
No credit pull at intake · $0 to keep your line open · funds in your account in ~24h
01 How a line works
The lifecycle of your line.
One approval, then a cycle you control — draw, repay, and draw again, as often as your business needs.
- 1
Apply
One short form. No credit pull, about two minutes.
- 2
Approved
A coordinator sets your limit, usually within a day.
- 3
Draw
Move funds to your account, up to your limit, in minutes.
- 4
Repay
Pay interest only on what you drew, on your schedule.
- 5
Redraw
Your available credit refills — reuse it again and again.
02 Compare
A line isn't a loan — or a credit card.
The same $50,000 behaves very differently depending on how you hold it. Here's the honest comparison.
| Line of credit | Business credit card | Term loan | |
|---|---|---|---|
| How you get funds | Draw cash to your bank account, any amount up to your limit | Card spend only; cash advances are costly | One lump sum, all at once |
| What you pay | Interest only on the balance you've drawn | High APR if you carry a balance | Interest on the full amount from day one |
| Cost when unused | $0 — an idle line is free | $0–annual fee | Full interest still accrues |
| Reusable? | Yes — refills as you repay | Yes, up to the card limit | No — repaid once, then reapply |
| Best for | Recurring, unpredictable cash-flow gaps | Everyday small purchases | A single, known, one-time expense |
03 Use it for
For the gaps a term loan can't cover.
Cover payroll through a slow week
Bridge the gap before a big invoice clears so your team never waits — then repay the moment the receivable lands.
Stock up before your busy season
Buy inventory at a volume discount ahead of demand instead of leaving sales on the table — pay it back as the stock sells.
Take the early-payment discount
When a supplier offers 2% off for paying in 10 days, a quick draw more than pays for itself before the bill is even due.
Handle the unexpected
A repair, a sudden opportunity, a late customer — keep it from becoming an emergency because the capital is already there.
04 Proof
Owners who keep a line ready.
We don't touch it most months. But when a $90k order landed, the cash was in our account the same afternoon.
— Operations lead, specialty foods
It replaced the panic of a slow July. I draw, make payroll, repay when receivables hit. That's it.
— Owner, commercial cleaning
The cost calculator was the first time a lender showed me real numbers before I applied. Refreshing.
— Founder, e-commerce brand
See the line you qualify for.
One short application, no credit pull at intake, and no obligation to draw. Your line simply sits ready.