Keep capital on standby for storm season, slow months and late-paying clients. Draw what you need and repay on a schedule set out in your offer.
Check My LineBusiness Line of Credit
Port delays, hurricane warnings, a big invoice that slips another month. A line of credit lets Miami owners handle the unexpected without starting a new application each time.
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.
About 5 minutes to apply and three months of statements. No tax returns, and funding in as little as 24 hours for qualified businesses.
FICO scores from 500 are considered, with steady deposits playing a big role in sizing your line.
Your offer states the full repayment amount on draws before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer up front, so each draw fits into your cash flow 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.
In Miami, a good month can be followed by a rough one for reasons you don't control: a storm warning that empties hotel bookings, a cruise schedule change, a shipment held up at the port, a big client paying late. A business line of credit gives you a set amount you can tap when those moments come, then use again as you repay. You are not paying for a lump sum sitting idle while you wait for the next surprise.
The application takes about five minutes and starts with a soft credit pull. We review around three months of business bank statements, focusing on deposit consistency and current obligations.
Your offer explains how draws work, the repayment schedule and the full repayment amount before you accept.
Covering a pre-season deep clean, a new POS system, or extra staff for Art Week and the winter boat show crowds.
Paying freight and duties on a shipment before your buyers settle their invoices.
Smoothing payroll while reimbursements and client payments arrive on their own schedule.
A line works best when it covers short gaps you can see the end of: a shipment that will sell, payroll before a client pays, a repair that keeps revenue flowing. Before each draw, check how it fits the repayment schedule in your offer and your expected deposits over the next few weeks. Treat the line as a reserve, not extra revenue. Owners who draw with a plan, repay on schedule and keep deposits steady are in the best position when they need the line again, whether that is next hurricane season or the next big order.
If you already know the exact amount and use, working capital in Miami may be simpler. If most of your sales run through cards, a Miami merchant cash advance is another option. Owners outside the city can check our Florida line of credit page. Either way, one application lets us show you what fits.
Your offer explains how repayment applies to the amounts you draw, along with the full repayment amount, before you accept.
Lines are built to be reused as you repay. The specifics of your line are spelled out in your offer.
A short online application and about three months of business bank statements. No tax returns are required.
We start with a soft credit pull, which does not affect your score.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
Before you apply, a few habits make your line easier to size well.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding