Draw what you need
Business Line of Credit
Revolving access to capital you draw and repay as cash flow requires.
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.
Read the complete guide →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
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
Business Term Loans
A straightforward lump sum repaid over a set term — flexible for almost any purpose.
Learn more →Working Capital Loans
Straightforward funding for payroll, inventory, and the everyday costs of running your business.
Learn more →Equipment Financing
Finance machinery, vehicles, or equipment — the asset itself is the collateral.
Learn more →
See what you qualify for today.
One application, every option compared. No fee, no obligation, no credit impact.