Draw funds when you need them, from snow season to summer. Soft pull to start, about three months of statements, no tax returns.
See My LimitMichigan Business Line of Credit
Michigan businesses rarely have flat expenses. A line of credit lets you draw for salt in January, inventory in May and payroll in August, with the terms laid out in your offer.
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 5 minutes with roughly three months of statements. Funds in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposits and history weigh alongside your score.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is in your offer up front so you can plan around it.
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 are one-time. Others keep coming back. A business line of credit gives you access to funds you can draw when a need shows up, rather than taking a single amount up front. For a Michigan business whose expenses rise and fall with the seasons, that flexibility can be the difference between scrambling and planning.
Think about a snow removal and landscaping company in Oakland County: winter brings equipment repairs and salt purchases, spring brings mulch, plants and new hires. Or an orchard-adjacent retailer near Traverse City that needs inventory before cherry season. Or a Detroit-area machine shop whose orders follow production schedules at its customers. Each one has recurring, uneven cash needs, which is exactly where a line tends to fit.
With a lump sum, you take the full amount whether you need all of it this month or not. With a line, you can match draws to the bills in front of you and leave the rest available for the next surprise, like a broken plow truck in February or a supplier offering a discount for early payment.
Lines and other products range from $25,000 to $5,000,000 in total funding.
We fund established businesses with steady deposits. Expect to share about three months of business bank statements. No tax returns required. FICO scores of 500 and up are considered, and the process starts with a soft credit pull. Sole proprietors can apply.
Not sure a line is right? If you need one larger amount for a defined project, working capital in Michigan may be simpler. If your revenue is mostly card sales, a merchant cash advance is another option.
The application takes about 5 minutes. Once approved and accepted, funding can arrive in as little as 24 hours for qualified businesses.
Working capital is a lump sum you receive at once, which suits a defined need like a large order or a seasonal ramp-up. A line lets you draw funds as needs come up, which suits recurring or unpredictable expenses.
Mainly by your deposits and the obligations already drawing from your account. Time in business and credit history are also weighed.
We start with a soft credit pull, which does not affect your score.
Seasonal businesses can apply. A line can be a good match because your cash needs rise and fall through the year.
About three months of business bank statements. No tax returns are required.
Funding can arrive in as little as 24 hours for qualified businesses after you accept your offer.
Example uses for illustration only.
Want a stronger limit? Start here.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding