Keep capital on standby for freight delays, slow seasons and surprise repairs. Draw when you need it, repay on a schedule laid out in your offer.
See My LineBusiness Line of Credit
From logistics offices near the harbor to restaurants along the shore, Long Beach owners use a line to cover the weeks between paying out and getting paid.
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, and funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Consistent deposits count heavily when we size your line.
Every offer lists the full repayment amount on draws before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so each draw has a clear plan.
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.
Long Beach businesses live close to the water and close to the freight that moves through it. Customs brokers, warehouse operators, local carriers and the shops that serve dockworkers all feel it when shipping volumes swing. Add the tourism tied to the waterfront and the Queen Mary, plus a deep base of healthcare, education and restaurant work, and you get a city where money in and money out often land in different weeks. A business line of credit is built for that gap: you hold an approved amount and draw only when you need it.
You fill out a 5-minute application and we start with a soft credit pull. We review about three months of business bank statements. No tax returns are required. If you qualify, your offer spells out the line amount, how draws work, the full repayment amount tied to a draw, and the repayment schedule. You see all of it before you accept.
A Bixby Knolls cafe covering a slow January. A dray-adjacent logistics office fronting fuel and labor while a shipper's invoice clears. A Belmont Shore boutique stocking up before summer foot traffic. A dental practice replacing an autoclave without pausing patient care. The line sits there until a moment like this arrives, then it gets used, repaid and used again.
We care less about a perfect month and more about the pattern. Are deposits steady across the three months? Does the balance hold between them? What already goes out to other lenders or advances? Businesses with seasonal swings can still show a reliable rhythm, and that rhythm drives the size of the line we can offer.
A line is best for repeated, uneven needs. If you need one lump sum for a specific project, working capital in Long Beach may suit you. If speed is the main concern, see our fast funding page for Long Beach. We will help you pick the structure that matches how your business earns. When you are ready, start your application.
Sole proprietors can apply. We look at your business bank deposits the same way we would for an LLC or corporation.
We start with a soft credit pull, which does not affect your score. Your offer explains any further steps before you accept.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses after you accept.
No tax returns are required. About three months of business bank statements and a short application are the core of what we review.
Your offer shows the full repayment amount on what you draw and the schedule before you sign, so there are no surprise costs after you accept.
Example uses for illustration only.
These steps can strengthen the line offer you receive.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding