Keep funds ready for fuel, payroll and stock. Built for established Memphis businesses with steady deposits. Soft pull to start, no tax returns.
See My LineLine of Credit ยท Memphis
Distribution, healthcare, food and music keep Memphis busy. A line of credit lets you draw only what a slow-paying week requires and leave the rest untouched.
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. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Your score is weighed together with your deposit history.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so draws fit into your monthly planning.
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.
Memphis is a distribution town. The airport cargo hub, the river, the rail yards and the interstates keep warehouses, local carriers, repair shops and staffing firms busy around the clock. Add the hospitals and medical campuses, the barbecue joints and Beale Street venues that live on visitors, and you get a local economy where money comes in steadily but rarely on the same day the bills are due.
That gap between earning and collecting is where a business line of credit earns its keep. Instead of taking one lump sum and paying for money that sits idle, you keep a set amount available and draw against it when a real cost shows up.
Seasonality matters here too. Spring festival season and the holiday shipping peak can swing volume for restaurants, venues and warehouses alike. A line lets you prepare for those swings without locking in more funding than the month requires.
If you would rather have the full amount up front, our working capital page for Memphis explains that route.
We start with about three months of business bank statements. We look at how often deposits land, how consistent they are from month to month, and what is already going out for existing obligations. That picture shapes the size of the line far more than any single number.
FICO scores from 500 are considered, and credit is read alongside the deposit history rather than on its own. No tax returns are required, and the first look uses a soft credit pull. Sole proprietors can apply.
Working outside the city limits? Our Tennessee line of credit page covers the rest of the state.
Funding runs from $25,000 to $5,000,000. The amount offered depends mainly on your deposits and the obligations already on your account.
Regional and local carriers with steady deposits can apply. We review each file on its own deposit history and existing obligations.
We start with a soft credit pull, which does not affect your score.
No. We work from about three months of business bank statements.
Lines are generally built so that room you pay down can be drawn again. The exact terms are spelled out in your offer before you accept.
Example uses for illustration only.
A few habits make your file stronger before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding