A revolving line for Central Valley businesses whose costs land before revenue does. Draw what you need, repay as deposits come in.
Check My LineBusiness Line of Credit ยท Fresno
Draw against your approved limit when inventory, payroll or repairs come due, then pay it down as sales catch up. Apply in 5 minutes with bank statements only.
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. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposits and existing obligations carry real weight in our review.
Your offer shows the full repayment amount on draws before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer so you can plan around harvest 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.
Fresno sits in the middle of one of the most productive farm regions in the country, and a lot of local businesses move to that rhythm even if they never touch a tractor. Packing houses, ag suppliers, truck repair shops, restaurants near the Tower District and contractors all see spending spike before revenue does. A business line of credit lets you draw against an approved limit when the gap opens and pay it back as deposits come in, instead of taking a lump sum you only half need.
We built this for established businesses with steady deposits. We consider FICO scores from 500 up, and we weigh the whole picture: how regular your deposits are, how much you already owe to other funders, and how long you have been operating. Sole proprietors can apply too. We do not publish a hard revenue minimum because a seasonal Fresno business with uneven months can still show a healthy pattern across the year.
If you need one big purchase, like a reefer unit or a walk-in cooler, equipment financing may match better. If your card sales are strong and you want repayment tied to them, look at a merchant cash advance in Fresno. For a single injection of operating cash, compare working capital loans in Fresno. A line is the better fit when needs repeat and amounts vary.
Have your last three months of business bank statements ready and start your application. We will tell you plainly what we can offer and what it costs before anything is signed.
Yes, seasonality alone does not rule you out. We look at your deposit pattern over the statements you send and how existing obligations stack up against it.
Our funding ranges from $25,000 to $5,000,000. Your limit depends mostly on your deposits and what you already owe.
Your offer spells out exactly how costs work on your line, including the full repayment amount on draws, before you accept. Read it and ask questions first.
We start with a soft credit pull, which does not affect your score.
No. We work from about three months of business bank statements.
Example uses for illustration only.
A few habits make your application stronger for a line of credit.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding