Access funds when needs come up. Built for established Arizona businesses with steady deposits. Soft pull to start, FICO 500+ considered.
See My OptionsLine of Credit, Arizona
Late payments, broken equipment, and sudden opportunities do not schedule ahead. A line of credit gives you room to respond without starting from scratch.
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.
5 minutes and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposits and history carry real weight.
The full repayment amount is shown in your offer before you accept. No surprise costs later.
How and when repayment happens is laid out in the offer up front.
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.
Some costs are easy to plan. Others show up on a 115-degree afternoon when a compressor fails or a big client pays late. A business line of credit gives Arizona businesses access to funds they can draw when needs come up, instead of applying for a new lump sum every time.
If your needs are steady and predictable, a lump sum of working capital in Arizona may be simpler.
Our 5-minute application starts with a soft credit pull. We review about three months of business bank statements and do not require tax returns. FICO 500+ is considered. Your offer explains how draws and repayment work, including the full repayment amount and schedule, before you accept. Funding can arrive in as little as 24 hours for qualified businesses.
For many businesses in the Phoenix and Tucson areas, summer is the stretch that tests cash flow. Winter visitors leave, outdoor activity slows, and some revenue streams drop while utility bills climb. Other businesses, like HVAC and pool service, see the opposite and need cash to keep up with demand. Either way, a line can help smooth the swing. Look at last year's statements and identify the weakest months and the busiest ones. Plan your draws for the gap and your repayments for when revenue returns. That approach keeps the line available year-round instead of maxed out when you need it most, and it makes your next review easier because the account history tells a clear story.
A line works best when every draw has a purpose and a payback. Use it for gaps that close: a receivable that will come in, inventory that will sell, a repair that keeps revenue flowing. For bigger one-time purchases, equipment financing in Arizona or a merchant cash advance may be a better match.
You get access to funds you can draw as needs arise. Your offer explains how draws and repayment are handled before you accept.
An established business with steady deposits, about three months of bank statements, and a credit profile we can review. FICO 500+ is considered.
No. We start with a soft credit pull.
From $25,000 up to $5,000,000, depending mainly on deposits and existing obligations.
Yes. Sole proprietors can apply.
Often, yes. Having a line in place before the summer slowdown or a big job lets you respond quickly instead of applying in the middle of a problem.
Example uses for illustration only.
Good line habits help your business qualify and stay healthy.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding