A revolving line for Atlanta businesses with uneven seasons. Draw what you need, when you need it. 5-minute application, soft pull to start.
See My LimitBusiness Line of Credit ยท Atlanta
Event weekends, summer rushes and holiday stock-ups hit Atlanta businesses at different times. A line lets you respond without starting a new application each time.
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-minute application, about three months of statements, and funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with real weight on the strength of your deposits.
Each offer shows the full repayment amount before you accept. No surprise costs after you sign.
How draws are repaid is laid out in your offer up front, so you can plan cash flow.
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.
Few Atlanta businesses have a flat year. Restaurants and hotels swing with the convention calendar and big game weekends, landscapers and roofers chase the warm months, and retailers along the Beltline load up before the holidays. A business line of credit gives you an approved limit to draw from when a need shows up, so you are not borrowing a lump sum months before you use it.
Apply in about 5 minutes. We start with a soft credit pull and review roughly three months of business bank statements; no tax returns are required. If you qualify, your offer shows the limit, how draws are repaid and the full repayment amount on a draw before you accept. Qualified businesses can see funds in as little as 24 hours.
We do not set a hard revenue minimum. A business with a strong spring and a soft winter can still show a healthy pattern across the year.
A line is best when needs repeat and amounts vary. For a single, known expense, a working capital loan in Atlanta is simpler. If your sales run through card terminals and you want repayment linked to them, see our Atlanta merchant cash advance page. You can also compare lines statewide on our Georgia line of credit page, or simply apply now.
The owners who get the most from a line treat it like a tool with a specific job. A Decatur bakery might draw before the holiday ordering crush and repay as December sales come in. A Marietta landscaping company might draw in early spring for mulch, plants and fuel, then repay through the summer. What tends to cause trouble is using a line to cover a permanent shortfall month after month. If that is the situation, it is worth looking at pricing, costs or collections first. Used for timing gaps, a line keeps your business ready without you carrying cash you do not need yet.
We fund from $25,000 to $5,000,000. Your limit depends mainly on your deposits and what you already owe.
Your offer explains exactly how costs apply to draws, and the full repayment amount on a draw is shown before you accept it.
That is the point of a line: draw, repay, and draw again within your limit as your offer describes.
We consider FICO 500+. Your deposit history and existing obligations weigh heavily too.
About three months of business bank statements. No tax returns required.
Seasonality is normal here. We look at the overall pattern of your deposits across the months you send, not just your slowest week.
Example uses for illustration only.
These steps can help you qualify for a larger line over time.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding