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Secured and unsecured lines of credit for any purpose, up to $250k

accredited business by bbb.org

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Business Line of Credit

Why Choose Us?

Lines of Credit that fit your needs

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Paperless Process

Apply for lines of credit online and link your business information securely.

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Custom Offer

If approved, you will be able to draw funds at the click of a button as early as the next business day.

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Safe and Secure

Over 100,000 businesses like yours count on us because we use the best security protocols.

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Best Available Rates

Business lines of credit rates as low as 6%  No fees to apply. Pay only for what you are going to use. Pay off your loan early and save more money.

                                      What Is a Business Line of Credit?

By definition, a  line of credit or commonly referred to as a LOC  is a preset borrowing limit that can be tapped into at any time. The borrower can take money out as needed until the limit is reached, and as money is repaid, it can be borrowed again in the case of an open line of credit. A business line of credit has more in common with a business credit card than with a small business loan and is a type of business loan that actually allows you to draw money when you need it and pay it back over time.

How does It work?

A business line of credit provided by lenders in the Capital for Business marketplace is a revolving line of credit, with a line of credit, you are able to draw funds when needed and repay them over time. You can keep reusing and repaying your line of credit as often as you’d like, as long as you make payments on time and don’t exceed your credit limit. That means you can use the funds over and over again if you meet our pay-off requirements and get approved for the loan.

To get approved for our business line of credit, your business has to be in good standing for at least one year. If so, it will take you less than 3 minutes to get approved. All you need is to connect your accounting software or business bank account to let us analyze your business situation.

Once approved, you will be able to draw loan funds at any time. They will be available for you as early as the next business day.

Each week, you will need to pay off the funds in fixed installments. The more you repay, the bigger amount of money (exclusive of fees) will be available to you again. Plus, if you pay off your loan early, we will waive all the remaining fees.

What is a business line of credit good for?

  • Having a business line of credit provides you with extra flexibility and peace of mind when it comes to injecting money into your daily operations. It helps you avoid downtime and make sure things are running smoothly no matter what.
  • As a small business owner, you can benefit from this loan solution in a variety of ways. Now you can grow your enterprise and expand your team without having to actually take a loan and go through a time-consuming application process.
  • A line of credit gives you access to funds that you need to keep your business develop steadily. It’s like having a savings account that you can use whenever it’s time to handle the ebbs and flows of your business cycle.

The uses of the line of credit funds are virtually limitless. Now you can easily deal with unexpected expenses down the road, enter a busy season, finance your expansion, and everything in between.

Hire and train new employees

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Buy inventory

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logo lend

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Or renovate your location

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Working Capital

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Cash flow

Types of business credit lines

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1. Unsecured line of credit. This option is one of the most sought-after loan solutions since it doesn’t require collateral. That said, its borrowing limits are typically smaller while its interest rates are higher as compared to a secured line of credit.

2. Secured line of credit. What makes this option advantageous for business owners is that it is available at a lower rate. Given that it is riskier for lenders, it needs to be secured by collateral, though.

Typically, the loan can be backed by capital, inventory, or accounts receivable which may be seized if you are unable to pay it off. Before applying, it’s recommended to consider such factors as the state of your business and the forecast for the coming year to find out what option will be your best fit.

How to get a business line of credit

OUR EASY BUSINESS LINE OF CREDIT PROCESS

Get lines of credit in as little as 24 hours

In just three easy steps, you can access the right financing solution for your business. Our fast application and 24-hour funding process give you the working capital needed to grow  your business in no time!

small business loan application

Apply in minutes

Complete a single small business loan application. It takes less than 5 minutes.

quick business loansGet approved

in hours

The best small business financing options tailored to your business needs.

24 hour business funding

Receive funds in as
little as one day!

Capital for Business makes your small business financing experience fast, simple, and affordable.

Apply in Minutes

Tell us about your business

Tell us All about you

Connect your bank account

FAQ: Business Line of Credit

Once approved business owners can borrow as needed up to their limit, which can range from $1,000 to $250,000.

A business line of credit rates are low as 6% and funding amounts are up to $250,000

At a minimum, you’ll need to be at least six months in business and $25,000 in annual revenue to qualify for a business line of credit. Borrowers most likely will need a score of 500 or higher to qualify.

Make the right business decision and apply for a line of credit with Capital for Business

What Our Clients Say

They advocated so brilliantly for my account and are a huge reason for my renewed success with Capital For Business.
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Jonathan N. Craig

a trusted partner when your business does not work properly.
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Geoffrey E. Avila

If you have business problems you have to be part of your recovery plan.
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Debra R. Daley

They helped me with a business loan and now we’re thriving 🙂 thank you!
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Edson Romero

Quite a pleasureable experience!
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Lisa B. McClean

I had a really great experience getting funding for my business through Capital for business . Would highly recommend it.
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Aaron S. Devlin

this review wants to be of benefit to those who have trouble with their business and to trust their services.
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Lillie Martinez

Your staff and business associates were professional and efficient. I was treated with respect and they took the time to understand my business needs.
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Trammy R. Young

Jeff is absolutely the best. We are a small company and have been in business for less than 2 years. We reached out because we needed capital to give
us that extra boost to make more money. We received the application right away and as soon as I sent it back he worked on a funding solution for our company. We had the money in our account the same day we signed off on the loan. Thank you!!! will recommend.
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Smaat Money

I do truly recommend them. I enjoyed working with them, easy to talk too and they explain all the process for what you need.
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Cory Z. Sciortino

It's such a professional company. I enjoyed the collaboration we had
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Florence B. West

Great experience. Great customers services. Great over all.
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Harold M. Joseph

I am really satisfied. Very helpful!
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Maria Kincer

They were recommended by a co-worker. I am pleased by the services and taking his advice.
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A Google User

I am really happy with Capital for Business services. Great ethics.
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Angela Nagy

They give their best to give your perfect solution. Fast, easy and without a lot of papers involved.
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Charles V. Fraizer

The thing that impressed me the most is that they try to find the best solution for you and they explain it to you step by step.
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Benjamin G. Blast

perfect for small business. They are trustworthy.
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Carol T. Moir

I thank them so much! Their customer service is impeccable.
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Edwin C. Sims

I recommend them. They are the best!
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George L. Dodson

I just started a new business and this company helped me sooooo much!
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Roxanne J. Chambell

Their loan saved my business. Thank you so much!
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Marlene A. Esposito

The greatest help for the small businesses community.
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Michele R. Carrigan

The thing I appreciate most about this company is that it's moral and client oriented.
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James H. Fauver

They were recommended by a close friend. Reliable company 100%
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Bettie Nelson

I do recommend this company! It is worthy!
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Werner D. Seely

Such great experience! I encourage everyone to come to Capital for Business!
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Raymond S. McDermott

Capital for Business was a recommendation and now I recommend them too!
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Marjorie Fitch

awesome place for small loans
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Jamie M. Deming

They were recommended by a close friend. Reliable company 100%
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Bettie Nelson

Very helpful, even helping me after hours with questions and help. I highly recommend them!
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Mark G

Half a year ago our business was falling into a pit but thanks to the loan from Capital for Business we are on track again.
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Carmella A. McGregor

Jeff is absolutely the best. We are a small company and have been in business for less than 2 years. We reached out because we needed capital to give
us that extra boost to make more money. We received the application right away and as soon as I sent it back he worked on a funding solution for our company. We had the money in our account the same day we signed off on the loan. Thank you!!! will recommend.
Read more
AOh14Giq4rcsdJEkTl5LA P 3Rf26lkOSN 3dehOhiPG=s128 c0x00000000 cc rp mo?sz=100

Hamili Milligan

Awesome to work with!
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J&D Construction LLC

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