Keep funds available for seasonal stock, slow-paying customers and surprise repairs. Lines from $25,000, a soft credit pull to start, and no tax returns.
Check My LineBusiness Line of Credit ยท Arkansas
Arkansas businesses tied to tourism, agriculture and contract work rarely have even months. A line of credit gives you a cushion sized mainly from your deposits.
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.
A 5-minute application and about three months of statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered. We look at cash flow and obligations, not just your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so every draw is predictable.
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 businesses need money once. Others need it on and off all year. If your Arkansas business restocks every season, carries customers on invoices, or deals with surprise repairs, a business line of credit gives you access to funds you can draw when needed instead of applying fresh each time.
That flexibility suits the way many Arkansas businesses operate. Retail and hospitality around Hot Springs and the Ozarks swing with tourist traffic. Suppliers that serve the poultry, rice and timber industries often wait on large payments. Service companies in Little Rock and Jonesboro deal with uneven monthly billing.
We start with a 5-minute application and a soft credit pull. Then we review about three months of business bank statements. No tax returns required. We look at:
The size of your line depends mainly on deposits and existing obligations. Lines start from $25,000.
A line of credit works best for short, repeating needs: a supplier bill due before your customer pays, a slow week, a repair. It is less suited to a single large purchase, which is where equipment financing often makes more sense. Draw what you need, repay on schedule, and keep the remaining availability as a cushion.
Your offer shows the full repayment amount and the repayment schedule before you accept, with no surprise costs after you sign.
If you have one clear gap to fill, a lump sum of working capital may be simpler. If you expect several smaller needs over the coming months, a line usually fits better. Not sure? Note both on your application and we will walk through the difference with you.
For illustration: a Bentonville print shop serves retail vendors who pay on invoice. Several times a year it needs to buy paper and ink in bulk before those invoices clear. Rather than applying for new funding each time, the shop draws on its line for the supply order, repays as customer payments come in, and keeps the rest of the line available for the next order. The size of that line would depend on the shop's deposits and any existing obligations.
A line gives you access to funds you can draw as needed, rather than a single lump sum. Your offer explains how draws and repayment work.
FICO scores of 500 and up are considered. Deposits and existing obligations also weigh heavily.
About three months of business bank statements. No tax returns required.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Yes. Sole proprietors can apply, as long as the business has steady deposits.
Example uses for illustration only.
Here is how to put your best line of credit application forward.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding