Keep a reserve ready for storm prep, slow receivables and summer repairs. 5-minute application, soft credit pull to start, FICO 500+ considered.
Check My LineBusiness Line of Credit, Houston
From the Ship Channel to the Energy Corridor, timing gaps are part of doing business here. A line of credit lets you cover them and keep moving.
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 required. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We look closely at your deposits and existing obligations, not just a number.
Your offer shows the full repayment amount up front, so there are no surprise costs after you sign.
The repayment schedule is laid out in your offer before you commit, 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.
Houston cash flow rarely moves in a straight line. A marine supply shop waits on a vessel operator to pay, an HVAC contractor gets slammed the first week the heat turns serious, and a restaurant near the Medical Center sees traffic swing with shift schedules and conferences. A business line of credit gives you a reserve you can draw on when those gaps open, instead of applying from scratch each time.
We work with established Houston businesses that show steady deposits. Lines start at $25,000 and larger limits are possible for bigger operations, sized mainly on your deposit history and the obligations you already carry.
The file is short. You complete a 5-minute application, we start with a soft credit pull, and you share about three months of business bank statements. No tax returns required, and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours once an offer is accepted.
Your offer lays out the full repayment amount and the repayment schedule before you sign, so you can judge the cost against the job it is paying for. Start your application when you are ready to see real numbers.
We are looking for rhythm, not perfection. A Pasadena machine shop with a big month followed by a light one, or a Katy landscaper whose deposits rise in spring and ease off in the heat, can still show the steady pattern we want to see. We pay attention to average deposits, how often the balance dips below zero, and what payments you already make to other funders or lenders. Those factors shape your limit more than any single month. If something on your statements looks unusual, like a one-time insurance payout after a storm, tell us and we will factor it in.
A line works best for recurring, unpredictable needs. If you need one lump sum for a single project, working capital loans in Houston may be simpler. Businesses with heavy card volume sometimes compare a merchant cash advance in Houston. If you are outside the city, see our Texas business line of credit page.
We consider owners with FICO scores of 500 and up. Credit is one factor; your deposit history and current obligations carry a lot of weight in how we size the line.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours after accepting an offer.
No. We ask for about three months of business bank statements and a short application.
We start with a soft credit pull, which does not affect your score the way a hard inquiry does.
Mostly by your deposits and any obligations you already carry. Steady, consistent deposits generally support a larger reserve.
Example uses for illustration only.
A few habits help Houston owners get a stronger line offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding