Draw cash when semester breaks, snow delays or slow client payments squeeze your account. Soft credit pull to start, FICO 500+ considered.
Apply for a LineBoston Line of Credit
Boston businesses deal with academic calendars, winter weather and long client payment cycles. A line covers the gaps and stays ready for the next one.
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 plus three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500 and above is considered, and we begin with a soft pull.
Your offer shows the full repayment amount for draws before you accept, with no surprise costs after signing.
The schedule for repaying draws 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.
A business line of credit sets an available amount you can tap and repay, then use again. For a Boston business with costs that show up at odd times, that flexibility matters. You are not taking a single lump and hoping you sized it right.
Businesses that serve students and university staff see traffic change sharply between semesters and summer. A line can cover the quieter months.
Winter can stall exterior projects for contractors, landscapers and roofers while overhead keeps running.
Consultants, labs and agencies often front costs before a client pays. A line helps carry those weeks.
We look at about three months of business bank statements, run a soft credit pull to start and consider FICO scores from 500. No tax returns. The size of the line depends mainly on your deposits and existing obligations, within our overall range of $25,000 to $5,000,000. Sole proprietors can apply.
A line is most useful when you treat it as a tool for timing, not as extra revenue. Draw for a specific cost, note when the matching income should arrive, and pay the balance back as that money lands. That keeps the line available for the next real need instead of sitting maxed out.
For illustration, a Cambridge catering company might draw ahead of graduation season, when orders spike, and repay as event invoices clear. A Brookline landscaper might draw in late winter to buy materials and bring on crew before spring work starts. Both use the line for a short, clear window.
The size of the line depends mostly on your deposits and existing obligations. Avoid adding several new payments around the same time, since that can shrink what is available to you.
If you need one larger amount for a single purpose, a working capital loan or a merchant cash advance in Boston may suit you better. If needs repeat, a line usually wins. Apply in about five minutes and we will show you what fits, with full costs and repayment laid out before you accept.
A line gives you an available amount you can draw from as needed. A loan is a single amount delivered at once.
Decisions move quickly once statements are in, and qualified businesses can be funded in as little as 24 hours.
FICO 500 and up is considered. Deposits and current obligations weigh heavily alongside the score.
Yes. Payroll, inventory, repairs and similar operating costs are common uses.
A five-minute application, about three months of business bank statements and a soft credit pull.
You can apply, but existing obligations are part of the review. Payments already leaving your account affect how large a line makes sense for your Boston business.
Example uses for illustration only.
Habits that help a Boston line stay healthy.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding