Cash on standby for late invoices, bulk buys and slow weeks. 5-minute application, soft pull to start, FICO 500+ considered.
Check My LimitLine of Credit, Austin
Agencies, consultants, event companies and home services firms use a line to cover the gap between doing the work and getting paid.
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 bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO scores from 500 are considered alongside deposits and obligations.
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.
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.
Plenty of Austin businesses do not need a big lump sum. They need something to reach for when a client pays late, a supplier offers a bulk discount, or a slow month follows a busy one. A business line of credit fills that role. You draw against your limit, repay according to your offer, and the room becomes available again.
Agencies and IT consultancies that bill tech clients on terms, event production companies, and home services firms in the growing suburbs all run into this kind of uneven timing.
We start with your business bank statements, about three months of them. Deposit size and consistency carry the most weight, followed by obligations you already pay, such as loans or advances. Credit is reviewed too, with FICO scores from 500 considered and a soft pull to start. No tax returns are required, and sole proprietors can apply.
Limits depend mainly on deposits and existing obligations within our $25,000 to $5,000,000 range.
Cover payroll while waiting on net-30 or net-60 invoices.
Take a supplier discount or stock up before a busy stretch.
Handle a repair or a short-term dip without disrupting operations.
For a single large purchase, a working capital loan in Austin may be cleaner.
A line is the wrong fit if every draw goes to covering losses month after month, or if the business has no clear way to repay draws from new revenue. In that case, it may make more sense to fix pricing or costs first, or to choose a lump sum for a specific, defined project. We would rather point you toward the structure that fits than set up a line that becomes a burden, so ask us to compare options side by side with your actual numbers.
Your offer explains what a draw costs and how repayment works before you accept, with no surprise costs after you sign. See the Texas line of credit page for more general context, or apply now. Qualified businesses can be funded in as little as 24 hours.
Established businesses with steady deposits and needs that repeat, such as covering receivables or buying inventory at the right time.
The application takes about five minutes, and qualified businesses can be funded in as little as 24 hours.
FICO scores from 500 are considered. Your deposit history and obligations carry significant weight as well.
About three months of business bank statements and a short application. No tax returns required.
Yes. A line is revolving, while a merchant cash advance is a one-time lump sum repaid from sales.
Example uses for illustration only.
These habits can help your Austin business support a larger line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding