Draw funds as needs come up and repay on a schedule you see first. For established Charlotte businesses. Soft credit pull to start.
Check My LineLine of Credit ยท Charlotte
Landscapers, contractors, retailers, and restaurant groups in Charlotte use a line of credit to handle costs that are certain to come but hard to 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 and about three months of bank statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered, read alongside your deposits.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your repayment schedule 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.
Plenty of Charlotte owners know they will need cash this year but not exactly when. A landscaping company sees spring hit all at once. A property maintenance firm gets a burst of turnover work. A restaurant group has a slow January and a packed December. A business line of credit gives you access to funds you can draw when the need shows up, rather than taking a lump sum and holding it.
The full cost is shown up front. No surprise costs after you sign.
A line tends to work best for established businesses with steady deposits that face recurring but irregular expenses. Think seasonal service companies, contractors with staggered payments, retailers managing inventory cycles, and medical or professional offices dealing with slow insurance or client payments. Sole proprietors can apply, and FICO scores from 500 are considered.
The owners who get the most from a line of credit treat it as a tool for specific situations, not as extra revenue. Decide in advance what kinds of expenses you will draw for, such as seasonal inventory, a repair, or a slow-paying customer, and repay as cash comes in under the schedule in your offer. Keeping draws tied to costs that produce or protect revenue makes repayment easier and keeps the line available when the next need shows up. For illustration, a landscaping company might draw for mowers and fuel in March and bring the balance down by June as contracts pay.
About three months of business bank statements and about 5 minutes for the application. No tax returns are required, and we start with a soft credit pull so your score is not affected. Qualified businesses can be funded in as little as 24 hours.
Comparing options? Read about a Charlotte merchant cash advance, fast funding in Charlotte, or our North Carolina line of credit page.
It depends on the need. A line suits recurring, unpredictable costs. A lump sum can suit a single, known expense.
Funding ranges from $25,000 to $5,000,000. Your deposit history and existing obligations are the main drivers.
We start with a soft credit pull, which does not affect your score.
Sole proprietors can apply. We look for an established business with steady deposits, and we review each file individually.
Your offer shows the full repayment amount and the schedule before you accept anything.
Yes. As you repay what you used, that room is generally available to draw again, under the terms in your offer.
Example uses for illustration only.
A cleaner account history helps us offer more room.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding