Keep funds ready for repairs, inventory and slow-paying clients. Soft pull, no tax returns, FICO 500+ considered.
Check My LineLine of Credit ยท Louisville
Draw what you need when you need it, from spring rushes to quiet winter weeks, instead of starting over with every expense.
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.
Three months of statements and a soft pull to start. Funds in as little as 24 hours if qualified.
FICO 500+ considered, with your deposits counting toward the decision.
The full repayment amount appears in your offer before you accept. No surprise costs after signing.
Repayment details are laid out in the offer from the start.
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.
A line of credit is a pool of funds you can draw from as needs come up, up to an approved limit. Louisville owners tell us the appeal is simple: they would rather have money ready than apply every time a truck needs tires or a big order lands. It also means you only draw what the moment calls for.
| Business type | How a line helps |
|---|---|
| Restaurants and bars | Stock up before spring and fall peaks |
| Contractors | Cover materials between progress payments |
| Retail | Buy holiday inventory early |
| Service firms | Bridge slow-paying clients |
Each of these has uneven months. A line helps keep them level.
Our application takes about five minutes and starts with a soft credit pull. We review about three months of business bank statements, and tax returns are not required. FICO 500 and up is considered, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, and qualified businesses can access funds in as little as 24 hours.
For illustration, imagine a Louisville landscaping company heading into spring. It needs new mowers and extra crew wages weeks before the first big checks come in. With a line in place, the owner draws enough to cover equipment and early payroll, then draws again in midsummer when a commercial client pays late. Rather than applying twice, the business works from one approved limit. Any real limit and repayment schedule depend on the company's own deposits and obligations, and all of it is spelled out in the offer before acceptance.
Draw for business needs that produce a return or protect revenue, and keep an eye on your schedule. Your offer shows the full repayment amount and how repayment works before you accept. If you need a single larger sum, compare Louisville working capital loans or a merchant cash advance. Statewide, see the Kentucky line of credit page. Apply for your line.
Mainly by your business deposits and existing obligations, reviewed over about three months of bank statements.
A line is designed for drawing funds as needed up to your limit. Your offer explains exactly how draws and repayment work.
No single factor decides. FICO 500 and up is considered, and deposits are weighed alongside it.
Sole proprietors can apply. We look for steady business deposits.
Qualified businesses can access funds in as little as 24 hours.
Yes. Seasonal businesses such as landscapers, caterers and event companies often use a line to cover slower months and prepare for busy ones. We review about three months of statements and talk through your seasonal pattern so the limit reflects how your business really runs throughout the year.
Example uses for illustration only.
Want a larger line? Focus on these.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding