Keep funds on standby for repairs, inventory and slow-paying clients. Built for established Chicago businesses with steady deposits.
Check My LineLine of Credit | Chicago
From winter repairs to supplier price jumps, a line gives you room to respond. We review deposits and spell out repayment before you accept.
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.
Five-minute application, about three months of statements, no tax returns. Access in as little as 24 hours if qualified.
We look closely at your deposits, not only your score.
Full repayment amounts are in your offer, with no surprise costs after signing.
Your schedule is part of the offer so draws fit your budget.
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 months in Chicago are predictable. Others bring a burst pipe, a client who pays late, or a supplier price jump. A business line of credit gives you a limit to draw from when those moments arrive, so you are not applying from scratch every time.
If you need one larger amount right now, working capital in Chicago may fit better.
We review about three months of business bank statements. No tax returns are required. The process starts with a soft credit pull, and FICO 500 and up is considered. Your limit depends mainly on deposit volume, consistency and existing obligations. Sole proprietors can apply. The overall funding range is $25,000 to $5,000,000.
Both products help with cash flow, but they solve different problems. Working capital provides one amount at once, suited to a known expense such as a large materials order or a renovation. A line of credit suits repeated or uncertain needs, where you would rather draw smaller amounts as they come up.
Consider a Chicago HVAC contractor. Winter brings emergency jobs that need parts quickly, while spring and fall bring planned installs. A line lets the contractor pull funds for parts during a cold snap, repay as invoices clear, and draw again later. A bakery planning one oven replacement, by contrast, may prefer a single working capital amount. When you apply, tell us how you expect to use the funds and we will present the option that fits, with every amount shown before you accept.
Your offer explains how draws are repaid, shows the full amounts involved, and lays out the repayment schedule before you accept. No surprise costs come after you sign. Qualified businesses can access funds in as little as 24 hours. Apply in about 5 minutes to see what is available.
Need something sales-based instead? See our merchant cash advance in Chicago.
Once your line is set up, you request funds up to your limit as needs arise. Details are covered in your offer.
Business purposes such as inventory, repairs, payroll gaps and supplies.
No. About three months of business bank statements is what we review.
No. A soft pull does not impact your credit score.
Your limit is based on deposits and obligations at the time of review. As your business changes, you can discuss options with us.
Yes. Sole proprietors with steady business deposits can apply.
Example uses for illustration only.
These steps can help your line application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding