Business Lines of Credit
Get the lump sum funding your small business needs and repay it over a flexible term that works for you.
Application takes 15 seconds
24 hour approval of funds
Finance $10,000 to $5 million
Flexible financing terms
Get the lump sum funding your small business needs and repay it over a flexible term that works for you.
What Do You Need To Qualify?
Qualify for our top financing options with just 6+ months in business!
Minimum revenue to qualify: $10K+ monthly or $120K+ annual gross sales.
Business LOC with low rates and long terms—available for businesses with a 640+ credit score.
A Business Line of Credit provides flexible funding that can be drawn as needed and repaid over time with interest. Borrowers can access funds repeatedly within their credit limit, making it ideal for managing cash flow, covering unexpected expenses, or seizing growth opportunities.
Complete our 15-second online application and get matched with offers in minutes!
Bad credit? No problem! Many of our top financing options have minimum FICO score of 640.
Access the highest credit limits and draw funds as needed to manage cash flow and expenses.
With our fast approval process, get approved and access funds the same day to keep your business moving.
Business lines of credit provide flexible funding that can be drawn as needed, with repayment terms ranging from short-term cash flow solutions to long-term financial support. Some lenders may require collateral for easier approval and lower interest rates, while unsecured credit lines—preferred by many businesses—often have stricter qualifications and higher rates.
To apply for a term loan, check eligibility, gather necessary documents (financials, tax returns, etc.), choose your loan amount and term, then submit your application. After approval, review and sign the loan agreement, and receive your funding. Repay according to the agreed terms.
With Our 5-star reviews, our business financing experts will work with you to solve your business challenges.
Reveal Lending uses AI to streamline the funding process. Get an instant pre-approval and flexible loan options that fit your business needs.
Choose an offer that makes the most sense for you and your business. Compare offer terms and choose what works best.
Choose an offer that makes the most sense for you and your business. Compare offer terms and choose what works best.
Getting started is simple!
Complete our streamlined application in minutes and upload your business documents with zero risk. Check Eligibility
Compare offers with expert guidance from our team and choose the best one for your needs.
Seize growth opportunities or tackle new challenges with confidence and immediate support.
The main difference between a business line of credit and other financing options lies in flexibility and repayment terms. A business line of credit allows businesses to draw funds as needed and repay only what they use, making it ideal for managing cash flow, covering unexpected expenses, or funding ongoing projects. In contrast, small business loans provide a lump sum with fixed repayments, while other financing options may offer structured terms or government-backed benefits.
A business line of credit provides flexible funding that businesses can draw from as needed and repay over time. Instead of receiving a lump sum, businesses access funds up to a set credit limit, making it ideal for managing cash flow and covering unexpected expenses. Here’s how it typically works:
Credit Approval: The business applies and gets approved based on financials, credit score, and other criteria.
Access to Funds: Once approved, the business can withdraw funds as needed, up to the credit limit.
Repayment: Businesses repay only the amount used, with interest applied to the borrowed portion.
Revolving Credit: As repayments are made, the credit becomes available again for future use.Business lines of credit are commonly used for short-term expenses, inventory purchases, payroll, and ongoing operational costs.
To apply for a business line of credit, follow these steps:
Check Eligibility: Review the lender's requirements, including credit score, business financials, and revenue.
Gather Documents: Prepare necessary paperwork such as financial statements, tax returns, and business bank statements.
Choose Credit Limit: Determine how much credit you need based on your business’s cash flow and financial needs.
Submit Application: Complete the lender’s application form and provide the required documents.
Wait for Approval: The lender will review your application, conduct due diligence, and determine approval.
Accept Terms: If approved, review the credit agreement and sign the contract.
Access Funds: Once finalized, you can withdraw funds as needed up to your credit limit.
Repay as You Borrow: Repay only what you use, with interest applied to the borrowed amount.