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A business line of credit isn't just a safety net - it's also one of the most flexible forms of financing. You can use it for just about any small business need: buying equipment, hiring staff, increasing inventory, adding a second location, paying invoices, installing a cappuccino machine, and more. And because a line of credit is revolving, you can use it as many times as you want. As soon as you repay what you've used, those funds become available to you again.
Get Your offerA revolving business line of credit application is a smooth and simple process with our one-page application. Our funding partners typically look for a high credit score with strong bank statements showing healthy daily balances. There are no prepayment penalties, monthly maintenance fees, or account closure fees for the line of credit making it a very attractive option if a business qualifies. With this product, there are no restrictions on how the capital drawn from the line of credit is used. A line of credit can be approved and funded in as little as 24-48 hours.
To get your business line of credit, you’ll typically need to be in business at least 6 months, make $50,000 or more in annual revenue, and a credit score of 560 or higher. Your lender may ask you to make a personal guarantee, which is an agreement that the lender may be able to levy personal assets such as a car, house, or bank account if you default on the line of credit. Applying is easy: fill out our 15-minute application, then compare business line of credit options from 75+ lenders.
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