A business line of credit gives clients flexible access to working capital on demand. Rather than receiving a lump sum, the borrower is approved for a limit and can draw funds as needed. Interest is only paid on the amount drawn, and funds can be reused once repaid.
We help clients access unsecured, secured, or asset-backed lines of credit through our network of commercial lenders. These programs are ideal for businesses and investors who want to manage cash flow, cover short-term needs, or have funds available for future opportunities.
A business line of credit provides access to working capital on demand. Clients use it when needed and pay interest only on the funds they draw.
Common Use Cases for Business Lines of Credit
Many businesses experience natural cash flow gaps. Lines of credit help smooth out revenue fluctuations caused by seasonal trends, slow receivables, or delayed project payments.
Clients use available credit lines to take advantage of bulk discounts, pay vendors early, or fulfill large purchase orders without waiting for incoming revenue.
Lines of credit can be used to fund upfront costs of a project and repaid once client payments are received. This is common in service businesses, construction, and logistics.
Clients who are waiting for larger capital events or project closings can use a line of credit as a bridge solution to maintain operations or avoid disruption.
LOC Programs and Insights
We guide clients through the process of choosing the right type of line of credit based on their revenue model, collateral availability, credit history, and use of funds. Options range from unsecured business lines to credit facilities secured by inventory, equipment, or receivables.
- Our approach includes:
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Evaluating current revenue streams and payment cycles
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Determining the appropriate limit and draw structure
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Identifying funders with flexible repayment terms and low draw fees
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Preparing documentation that accelerates the approval process