Repeat access to cash for established Kentucky businesses. Draw when you need it. Soft pull to start, FICO 500+ considered, no tax returns.
Check My LineKentucky Business Line of Credit
Seasonal stock, slow-paying customers, surprise repairs. A line lets Kentucky owners draw as needs arise instead of guessing one lump sum.
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.
Apply in about five minutes with three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposits and obligations count too.
Your offer shows the full repayment amount before you accept. No surprise costs after signing.
The repayment schedule is set out in your offer up front.
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 cash needs show up once. Others come back every month in a slightly different shape. A business line of credit is built for the second kind. You draw what you need, when you need it, and repay against what you used.
For a Kentucky landscaper, that might mean fuel and mulch in March and nothing in December. For a Louisville logistics subcontractor, it might be covering driver pay while shippers settle invoices. For a Lexington retailer, it might be holiday stock in October.
We fund established businesses with steady deposits. In our review, we weigh:
We do not ask for tax returns. About three months of business bank statements is the starting point, and sole proprietors can apply.
Apply online in about five minutes through our application. We start with a soft credit pull. If you qualify, your offer explains the line, the full repayment amount on draws, and the repayment schedule before you accept. Funding can arrive in as little as 24 hours for qualified businesses.
You can read more about how lines work in general on our business line of credit page.
If you need one larger amount for a single project, working capital in Kentucky is usually simpler. If your business runs on daily sales and you want funding tied to those sales, a merchant cash advance may fit. A line is strongest when the need repeats and the amount changes. Telling us how you plan to use the money helps us point you to the right one.
For illustration, a Lexington landscaping company might draw on its line in March for mulch, fuel, and seasonal hires, repay through the summer as jobs pay, then draw again in the fall for leaf removal crews. Instead of applying for new funding each season, the owner works from one line sized to the business's deposits. Amounts and terms vary with every file and are set out in your offer before you accept.
We fund from $25,000 up to $5,000,000. Your line size depends mainly on your deposits and existing obligations.
Your offer explains exactly how repayment works on draws and shows the full repayment amount before you accept.
FICO 500+ is considered. We weigh it next to your deposits and current obligations.
We start with a soft credit pull so you can see options without affecting your score.
Yes, sole proprietors can apply.
Example uses for illustration only.
A line works best when you can show steady, readable deposits.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding