Draw what you need, repay, and use it again. Built for Alabama businesses with steady deposits. Apply online in about five minutes.
Open My LineAlabama Line of Credit
Progress payments, insurance timing, and seasonal crowds rarely line up with your bills. A revolving line keeps cash close without borrowing more than you need.
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.
About five minutes to apply with three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We weigh your deposit history heavily.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out in your offer so each draw is easy to plan.
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 business line of credit gives you access to a set amount you can draw from as needs come up. Repay what you used and that room becomes available again. For an Alabama business that faces a steady trickle of smaller needs, like a parts order this week and a payroll gap next month, a line is often more practical than taking a single lump sum and paying for money you are not using yet.
We hear from all kinds of operators across the state:
A line works best when each draw has a clear source of repayment. Use it for timing gaps, not for permanent shortfalls. A simple rule: before you draw, write down what incoming payment will cover it and roughly when. If you cannot name one, pause. Keeping draws tied to real receivables keeps the repayment schedule in your offer comfortable.
Whether you run a shop in Dothan or a firm in Huntsville, the process is the same and fully online. The application takes about five minutes. We review roughly three months of business bank statements and begin with a soft credit pull. No tax returns are required, FICO 500+ is considered, and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses. Your offer shows the full repayment amount and schedule before you accept.
If you need one defined amount, working capital in Alabama or a merchant cash advance in Alabama may be simpler. For machines, vehicles, or tools, see equipment financing in Alabama. Curious about the steps? Read how it works.
A line lets you draw, repay, and draw again as needs come up. Working capital is typically a single amount for one purpose.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on deposits and existing obligations.
We do not require tax returns. The review focuses on about three months of business bank statements.
We start with a soft credit pull, which does not affect your score.
Yes, sole proprietors can apply.
Example uses for illustration only.
Owners who manage their line this way tend to get the most from it.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding