Business Line of Credit
A standby reserve that sits idle until you need it
Approved a single time, the facility stays open for you. Pull what you need the moment the need appears, and you pay only on the part you have drawn — an untouched limit costs nothing to keep around. Pay it down and the room reopens for next time. It answers the gaps that keep coming back rather than one big planned purchase, which is why owners with choppy cash flow like keeping one ready.
- $10,000 – $250,000Available limit
- A 12-month revolving facility, revisited for renewal each yearTerm
- Approved in a business day or two, with individual draws reaching the account quicklyFunding speed
The numbers
Every figure for this product, lined up in one place
- Available limit
- $10,000 – $250,000
- Pricing
- Charged on the drawn balance only; the idle portion is free to hold
- Repayment
- A monthly bill covering the charge plus a slice of what you drew
- Minimum draw
- $1,000, sent the same business day when you ask before early afternoon
- Facility term
- 12 months revolving, revisited for renewal at each anniversary
- Decision
- Typically a business day or two
The use
Where an advance earns its keep
- Recurring, hard-to-call working-capital gaps rather than a single, well-defined outlay.
The fit
Whether this product is worth your next ten minutes
- Time in business
- 6 months or moreClocked from when the business began trading for real, not from the date the entity was registered.
- Monthly revenue
- $15,000 or moreWhat actually lands in the business account each month. Four even months read better here than one standout.
- Business bank account
- RequiredLive, in use, and under the trading name itself — a personal account will not stand in for it.
- Location
- United StatesThe business has to be formed and trading in the US. We put money to work across all fifty states.
Clear all of these and the file gets a proper read. That is not the same as an offer — plenty of businesses are turned down here, and we would sooner say so within the hour than string it out for a fortnight.
The detail
Sharper questions about how an advance behaves
Does leaving the limit idle cost me anything?
Not a cent. You pay only on what you have actually drawn. Park the facility at zero for five months and those five months are free.
How quickly can I draw?
Ask before early afternoon Eastern on a business day and it usually clears that day, with later requests landing the next. After the facility opens, an individual draw gets no fresh underwriting — you ask, and it moves.
If a cash advance is not a loan, what is it?
It is a sale, plain and simple, and the line is a legal one rather than marketing. A named dollar sum of sales you have yet to collect moves to us, we pay a discounted price now, and we get that sum back out of your settlements as they arrive. Since nothing was lent, there is no rate, no APR and no maturity date — those belong to debt. Anyone selling you an advance as a loan has either misread the product or is betting that you will.
How does the factor-rate math work?
Once. You multiply a single time and stop. Seventy-five thousand at 1.30 means we are buying $97,500 of your coming sales, and the $22,500 between the two numbers is everything the money costs — full stop, with nothing added down the line. Time never touches that gap. Clear it in six months or eleven and it is still $22,500, the mirror image of how interest treats a running balance. You can work the sum on a napkin before signing, and the napkin will be right.
A month of soft sales — now what?
What leaves your account drops the same week your sales do, with nobody lifting a finger. We take a share, not a flat figure, so a month at half pace returns roughly half, and the calendar simply lengthens to cover the rest. Nothing gets missed, because no payment was ever scheduled to miss. That is why seasonal owners reach for an advance before anything else. An outright collapse in revenue, as opposed to a dip, is a separate talk, and one to have with us early.
The alternatives
When an advance is plainly the wrong tool
If your case suits a term loan, a credit line, equipment paper or an SBA file, the price usually lands well under an advance. Those sit on our menu too, so nudging you toward the dearer one would only cost us the next deal.
Business Term Loan
Draw the whole amount at closing and clear it on a schedule you can set your calendar by.
Explore Term LoanMerchant Cash Advance
We purchase a slice of your upcoming sales at a discount today. A receivables sale, not a loan, and priced on a factor rate.
Explore Cash AdvanceSBA Loan
Federally guaranteed, the keenest price on this page, and genuinely slow. Those three travel together.
Explore SBAEquipment Financing
The asset itself stands behind the deal, and the price rewards you for it.
Explore Equipment