Draw what you need

Business Line of Credit

Revolving access to capital you draw and repay as cash flow requires.

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A business line of credit is flexible, revolving capital — draw what you need, pay interest only on what you use, and reuse it as you repay. Ideal for managing cash-flow swings, payroll, and unexpected costs.

Best for

  • Businesses with uneven cash flow
  • Seasonal or cyclical operations
  • Owners who want a safety net

Common uses

  • Smoothing cash flow
  • Payroll and inventory
  • Bridging receivables
  • Unexpected expenses

What you'll need

  • Operating business with revenue
  • Repayment ability
  • Owner credit reviewed

At a glance

Credit line
Typically up to $250,000
Interest
Only on what you draw
Structure
Revolving

Business Line of Credit: which structure?

A few ways this is commonly structured. Your advisor helps you pick the right one.

Backed by collateral (receivables, inventory, equipment). Lower rates and higher limits.

Best for: Established businesses wanting the lowest cost and a larger line.

Estimate your business line of credit

Move the sliders to explore. These are illustrative figures, not an offer.

A line of credit is revolving — you pay interest only on what you draw. This estimates the cost of carrying a single draw.

Estimated monthly payment

$4,584

Amount
$50,000
Total interest
$5,008
Total of payments
$55,008
See my real options →

Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms.

Business Line of Credit questions

Do I pay interest on the whole line?

No — only on the amount you actually draw. The rest stays available.

Can I reuse it?

Yes. As you repay, the credit becomes available to draw again — that's the revolving advantage.

Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.

Other financing options

See what you qualify for today.

One application, every option compared. No fee, no obligation, no credit impact.