Keep funds within reach for repairs, inventory swings and slow months. A soft pull to start, no tax returns, and a 5-minute application.
See My LineCalifornia Line of Credit
California businesses rarely have one predictable expense. A line of credit lets you pull funds when a need shows up instead of carrying a lump sum you are not using.
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 minutes to apply and about three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. A soft pull starts the process, and steady deposits carry real weight.
The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.
Your offer shows the repayment schedule, so each draw fits into your monthly plan.
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 owners here do not need one big lump sum. They need access to cash when something comes up: a delivery van that needs a transmission, a produce order that doubled, a slow month after the tourists leave. A business line of credit gives you a set amount you can draw from when you need it, instead of taking everything at once.
That makes it a good match for businesses with recurring but unpredictable needs, like restaurants, retailers, trades and service companies.
Here is a simple way to think about it:
Our loan vs. line of credit comparison goes deeper, and the general business line of credit page explains how draws work.
For illustration, picture a catering company in Orange County. Wedding season brings deposits early, but corporate clients pay on net terms and holiday events need staff and rentals booked weeks ahead. Instead of taking one large lump sum in January, the owner draws a portion in October for event staffing, repays it as invoices clear, and draws again before a big spring wedding run.
That rhythm is the point of a line. You are not carrying idle cash, and you are not scrambling every time a timing gap opens. It also works well for contractors waiting on progress payments, and for retailers buying ahead of the holiday season.
We look at about three months of business bank statements. Steady deposits matter more to us than a perfect score, and FICO 500+ is considered. There are no tax returns required, and the process starts with a soft credit pull. Sole proprietors can apply.
Lines and other products range from $25,000 to $5,000,000, depending mainly on your deposit history and any obligations you already carry.
Your offer spells out the full repayment amount and the repayment schedule before you accept. No surprise costs show up after you sign. Read it against your typical month so you know a draw will not squeeze payroll.
Running a business in a big metro? See our pages for San Diego and San Jose. Otherwise, apply in about 5 minutes.
Working capital arrives as one lump sum. A line of credit gives you a set amount you can draw from as needs come up.
Sole proprietors can apply. We review your business deposits, not just your entity type.
No. We work from about three months of business bank statements.
FICO 500+ is considered. We weigh your deposit history alongside your credit.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
These habits help a line of credit application move smoothly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding