Draw on a set amount when ski season, summer events or a slow pay cycle squeeze cash. Soft pull to start, FICO 500+ considered.
Check My LineLine of Credit ยท Denver
From Front Range contractors to downtown restaurants, a line lets you borrow only when a gap appears and pay it down as deposits come back in.
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 business bank statements. No tax returns required. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered, and we start with a soft pull. Your deposit history carries real weight in our review.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer up front, so you can map it against your busy and slow months.
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.
Ask a Denver owner about cash flow and you will usually hear about the seasons. Ski traffic fills restaurants, rental shops and hotels along the I-70 gateway in winter. Summer brings concerts, hikers and patio crowds. Construction crews race the weather, and the tech, aerospace and energy offices around the metro set their own budget rhythms. Each of those patterns leaves some months long and others thin.
A business line of credit gives you a set amount you can draw against as those swings show up, instead of taking one lump sum and hoping you sized it right.
If you know the exact amount and purpose, working capital or equipment financing may be the cleaner fit. We can talk through both.
We start with about three months of business bank statements. We look at how often deposits land, how steady they are, and which payments already go out every month. Those numbers do more to shape the size of a line than anything else.
Credit is part of the picture. FICO scores from 500 are considered, and the first look is a soft credit pull, so checking your options does not touch your score. No tax returns are required, and sole proprietors can apply.
A line is most useful when you have a rough idea of how you will use it. Before you apply, think about which costs tend to surprise you, how long it usually takes to recover from a slow month, and whether your busiest season is predictable. Sharing that with us helps us suggest a size and structure that fits instead of the biggest number available.
Want the statewide view? See our Colorado business line of credit page.
Yes, seasonal businesses apply regularly. We look at deposits across the months you send, so a predictable seasonal pattern is something we can read and plan around.
Funding ranges from $25,000 to $5,000,000. Where you land depends mostly on your deposit history and the payments you already carry.
We start with a soft credit pull, which does not affect your score.
About three months of business bank statements and the short application. No tax returns are required.
Your offer spells out exactly how repayment works on what you draw, including the full repayment amount, so you can review it before you accept.
Example uses for illustration only.
A few habits can help your line request read stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding