Keep six figures of capital on standby and draw only what you need. Soft pull to start, three months of statements, no tax returns, FICO 500+ considered.
See My LimitBusiness Line of Credit
A $100,000 line lets contractors, retailers and service firms cover materials, inventory and payroll gaps as they happen instead of borrowing all at once.
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.
Apply in 5 minutes with three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Account health and deposits carry real weight.
Your offer shows what you will repay before you accept, with no surprise costs after you sign.
How draws are repaid is laid out in the offer before you commit.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A $100,000 business line of credit is less about one big purchase and more about having capital ready when you need it. Draw $15,000 for a supplier order this month, $30,000 for payroll during a slow stretch next quarter, and leave the rest available. You decide when to tap it.
For businesses with steady revenue but uneven expenses, that flexibility often beats taking a large lump sum and paying for money that sits idle. Read more about how lines work on our business line of credit page.
Lines at this size tend to fit businesses with real revenue and recurring, unpredictable needs:
If your needs are a single, defined project, a lump-sum product might be simpler.
The limit depends mainly on your deposits and your existing obligations. We look at about three months of business bank statements to understand your revenue and how consistent it is, then factor in any payments already coming out of the account. Balances that stay positive help; frequent overdrafts make funders more careful.
We start with a soft credit pull, consider FICO 500+, and do not need tax returns. Sole proprietors can apply. If your deposits support a different limit, we will show you that number rather than stretch.
The biggest risk with a line is treating the limit as income. Draw for specific needs, repay as revenue comes in, and keep an eye on how much is outstanding. For illustration: a flooring contractor with three jobs in progress draws to buy materials for each job as it starts, then repays as each customer pays at completion. The line stays useful because it keeps cycling.
Your offer explains how draws and repayment work and shows what you will repay before you accept. Compare the $75,000 line if you want a smaller limit, or apply now.
You can draw funds as needed up to your approved limit. How draws and repayment work is explained in your offer.
The 5-minute application and about three months of business bank statements. No tax returns.
We start with a soft credit pull, which does not affect your score.
We consider FICO 500+. Deposits and existing obligations usually carry more weight.
Qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
Put your best foot forward on a $100,000 line request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding