Fast & Easy
Business
Line Of Credit
Non-Bank Business Line of Credit
A Business Line of Credit is a financing program designed to provide flexible working capital for business operations.
Once approved, you can draw funds whenever needed within your approved credit limit, and interest is charged only on the amount you actually use.
Most importantly, compared to traditional bank lines of credit, the approval and funding process is much faster and simpler. Businesses may receive funding within 2–3 days when operating capital is needed. Interest rates are generally lower than many short-term MCA (Merchant Cash Advance) products, and you can use only the amount you need at any time.
Program Highlights
🔄 Up to $350,000 Credit Limit
Approval amounts up to $350,000 depending on the business profile.
🔄 Revolving Structure
Use → Repay → Reuse
Works similarly to a credit card, allowing repeated use of available funds.
🔄 Interest Charged Only on Amount Used
Interest is calculated only on the funds actually drawn, not the full approved limit.
🔄 Fast Approval & Funding
- Approval: 1–2 days
- Funding: 1–2 days
🔄 No Prepayment Penalty
No penalty for early payoff.
🔄 Minimal Impact on Personal Credit
Soft Pull options may be available during application.
🔄 Competitive Rates & Fees
- Interest rates approximately 12% – 25%
- Fee: 2.49%
🔄 Repayment Terms
- 12 months
- 18 months
🔄 Monthly or Weekly Payments
Payments include principal + interest.
Business Line of Credit vs Term Loan
| Traditional Business Term Loan | |
|---|---|---|
| Use funds whenever needed | Full amount disbursed at once | |
| Interest only on amount used | Interest charged on full loan amount | |
| Reusable revolving structure | Cannot reuse after payoff | |
| Best for working capital | Best for large projects or equipment | |
| Flexible cash flow management | Fixed repayment structure |
Advantages
✅ Faster Approval & Funding Than Traditional Banks
Simpler and quicker process compared to conventional banks.
- Approval: 1–2 days
- Funding: 1–2 days
✅ Helps Stabilize Cash Flow
Can serve as a financial safety net for unexpected business expenses.
✅ Use Only What You Need
Helps reduce unnecessary interest expenses.
✅ Flexible Business Growth Capital
Can be used for:
Inventory, Marketing, Expansion, Payroll & Operating expenses.
Basic Qualification Requirements
✔ Business operating for at least 3 years
✔ Minimum monthly revenue approximately $15,000
✔ Personal credit score approximately 650+
✔ Corporation or LLC only (No Sole Proprietorship)
✔ Average bank balance over $5,000
Restrictions
❌ Not Eligible
- No Sole Proprietorships
- No Non-Profits
❌ Restricted Industries
- Farming & Mining
- Residential Construction
- Used Car Businesses
- Telecommunications / Media Publishing
- Real Estate
- General Government Support
- Natural Gas & Power Generation
- Gun Stores
- Oil / Gas / Water / Rail Transportation
- Banking / Securities / Commodities
- Elementary Schools & Performing Arts
- Cannabis Industry