Draw what you need, when you need it. Built for established Columbus businesses with steady deposits. Soft pull to start.
Check My OptionsLine of Credit ยท Columbus
From campus-area shops to distributors near the logistics corridor, a line of credit gives you room to cover gaps without taking a lump sum you do not need yet.
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.
A 5-minute application and about three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We read your score next to 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 so you can plan around it.
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.
Columbus runs on a mix of state government, a huge university, insurance and finance offices, healthcare systems, and a busy logistics corridor. That mix creates steady demand, but it also creates uneven months. A cafe near campus feels the quiet weeks when classes break. A contractor waits on a commercial customer that pays on its own schedule. A distributor near the warehouse belt buys stock before the orders land.
A business line of credit is built for that pattern. You get access to a set amount, draw what you need when you need it, and repay on the schedule laid out in your offer. When you pay down what you used, that room is generally available to draw again.
With working capital funding or a merchant cash advance, you receive one amount up front. With a line, you only draw against it as costs come up. That makes it a good match for needs you can see coming but cannot size exactly:
Our review starts with your business bank statements, usually about three months of them. We want to see how deposits come in, how consistent they are, and what payments already leave the account. Credit matters too, and FICO scores from 500 are considered, but we read the score alongside the deposit history instead of on its own.
No tax returns are required, and the first look uses a soft credit pull, so checking your options does not affect your score. Sole proprietors can apply.
Want to compare with other parts of the state? See our Ohio line of credit page.
Our funding ranges from $25,000 to $5,000,000. Where you land depends mainly on your deposit history and the obligations already on your account.
No. FICO scores of 500 and up are considered. We weigh credit together with how steady your deposits are.
We start with a soft credit pull, which does not affect your score.
Yes. Many owners draw before a busy stretch and repay as sales come in, following the schedule in the offer.
Yes, sole proprietors can apply. We look for an established business with steady deposits.
Example uses for illustration only.
A few habits can strengthen your file before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding