A revolving limit for established businesses doing $60K or more a month. Draw when a surprise hits, repay, and draw again as your agreement allows.
Check my lineBusiness Line of Credit
Apply once and keep a line ready for the unexpected, through our partner, Merchant Fund Express, sized to what your revenue supports.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Qualified businesses can be funded in as little as 24 hours. The application takes about 5 minutes with about three months of statements.
FICO 500+ is considered, a soft pull starts things off, and revenue carries weight in setting the limit.
Your offer spells out the full repayment terms before you accept. No surprise costs show up after you sign.
How draws and repayments work is laid out in your offer up front, so you can use the line with confidence.
A business line of credit sets a maximum limit. You draw what you need, when you need it, and repay it over time. As you repay, that portion of the limit generally becomes available again. You are typically only charged on what you have drawn, though the details depend on the agreement Merchant Fund Express presents. If you are still deciding between a lump sum and a revolving limit, this comparison of a term loan and a line of credit walks through when each one fits.
| Situation | Often a better fit |
|---|---|
| One known project with a clear cost | Working capital |
| Recurring, unpredictable needs through the year | Business line of credit |
| Buying a specific machine or vehicle | Equipment financing |
| Strong daily card sales and a near-term need | Merchant cash advance |
A line tends to serve operators whose costs arrive unevenly. A specialty food distributor who wants to grab bulk pricing when a supplier offers it. A property maintenance company that fronts materials for dozens of small jobs a month. A veterinary group that replaces equipment as it wears out instead of on a schedule. In each case, having access ready can matter more than any single draw.
Traditional banks often treat a revolving line as the product that demands the strongest personal score. Merchant Fund Express takes a revenue-first view. This program is built for established businesses doing $60K or more a month, and FICO 500 and up is considered. If you are curious what reviewers weigh, see what funders look at.
One note: a line of credit is funding, not credit repair. It should not be treated as a way to raise your personal score.
Lines are considered in the $25,000 to $5,000,000 range, with funding in as little as 24 hours for qualified businesses. Start your application.
That is the main purpose of a revolving line. As you repay, available credit generally replenishes, subject to your agreement.
Lines are considered from $25,000 to $5,000,000, depending on revenue and the overall file.
Your deposit history and revenue consistency carry real weight. You can also read our business credit guide if you want to build that side over time.
No. Funding is provided through our partner Merchant Fund Express.
For qualified businesses, funding can be available in as little as 24 hours after acceptance, depending on the file and your bank.
Seasonal businesses often find a line useful, because draws can be timed to the slow stretch and repaid as the busy season brings deposits back. Mention your seasonality when you apply so the reviewer reads your three months of statements in context. Our page on slow-month cash flow funding goes into this pattern in more detail.
Example uses for illustration only.
Lines tend to be sized on how reliably the business brings in cash.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding