Set funds aside and draw as needs come up. For established Baltimore businesses with steady deposits. Soft pull to start, no tax returns.
See My LineLine of Credit ยท Baltimore
Harbor shops, trades and service firms across Baltimore use a line to handle surprise repairs, supplier deals and staffing jumps without new paperwork 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.
About five minutes to apply and roughly three months of statements. No tax returns. As little as 24 hours for qualified businesses.
FICO 500+ considered, read alongside your deposit history.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer before you draw.
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 you can see coming but cannot size ahead of time. A storm damages your storefront awning. A supplier offers a deal if you buy this week. A client in the hospital corridor asks you to staff a bigger shift than usual. A business line of credit gives Baltimore owners a set amount to draw against, so you can respond without applying for new funding every time.
You repay what you draw on the schedule laid out in your offer, and as you pay it down, that room is generally available again.
| Business | Typical draw |
|---|---|
| Inner Harbor gift shop | Stock for the summer visitor season |
| Commercial cleaning company | Payroll while a new contract ramps up |
| Brewery or taproom | Ingredients and cans before a big release |
| HVAC contractor | Parts during the first heat wave |
These are for illustration. Your actual use is your call.
About three months of business bank statements are the starting point. We read deposit volume, how regular it is and what already goes out each month for existing obligations. FICO scores from 500 are considered, and the score is read in context, not as a cutoff by itself. No tax returns are required, the first look is a soft credit pull, and sole proprietors can apply.
The best time to set up a line is before you need it. When a strong month gives way to a slow one, or a large customer pays late, the funds are already in place. For many restaurant and trade owners in Baltimore, the peace of mind matters as much as the money. Because you repay only what you draw, an unused line simply sits there as a reserve.
A line works best for recurring or unpredictable needs. If you have one defined purchase, working capital or a merchant cash advance may be simpler. Statewide options are on our Maryland line of credit page. When you are ready, start the 5-minute application; qualified businesses can be funded in as little as 24 hours.
Funding ranges from $25,000 to $5,000,000. Your deposits and existing obligations are the main drivers of the amount.
Repayment is based on what you draw. The full repayment amount and schedule are shown in your offer before you accept.
Yes. The first look uses a soft credit pull, which does not affect your score.
We work with established businesses that show steady deposits. Your bank statements tell us how your business is running.
Yes, sole proprietors can apply.
Qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
These steps can strengthen your line of credit application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding