Draw on a set limit for frozen pipes, fall inventory or summer staffing. Apply in 5 minutes with a soft credit pull and no tax returns.
Check My LineBusiness Line of Credit
Breweries, contractors, retailers and clinics across Minneapolis keep a line ready so a seasonal swing never turns into a scramble.
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 roughly three months of statements. No tax returns. Funding in as little as 24 hours if qualified.
FICO 500+ is considered, with deposits weighed heavily.
Your offer shows the full repayment amount on draws before you accept. No surprise costs after you sign.
The schedule for repaying draws is laid out in your offer up front.
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.
Minneapolis businesses budget around weather in a way few other cities do. A business line of credit gives you an approved limit you can draw against when a need shows up, whether that is a frozen pipe in February or extra staff for summer events along the river. You repay what you draw on the schedule set in your offer.
| Situation | Better fit |
|---|---|
| Several smaller needs across the year | Line of credit |
| One known expense right now | Working capital |
| Repayment tied to card sales | Merchant cash advance |
| A specific machine or vehicle | Equipment financing |
A brewery in Northeast buying grain ahead of a busy fall. An HVAC contractor stocking parts before the first hard freeze. A Lake Street retailer covering inventory between wholesale orders and sales. A physical therapy clinic handling slow insurance payments. Each draws when the need arrives and pays it down as revenue comes in.
Lines start at $25,000. We look at about three months of business bank statements, focusing on deposit consistency, average balances and existing obligations. A soft credit pull starts the process, FICO scores from 500 are considered, and no tax returns are required. Sole proprietors can apply.
Your offer explains the limit, how draws work, the full repayment amount tied to a draw and the schedule. Read it against your slowest month. A line you can comfortably carry in February is a line that will still be useful in July. Funding can arrive in as little as 24 hours for qualified businesses.
It can be tempting to pull the full limit on day one. Usually that is not the best use of a line. Draw for specific needs as they come up, such as a repair, a parts order or a payroll gap, and repay on schedule so the reserve is there when the next cold snap or busy weekend arrives.
Compare with working capital in Minneapolis or our Minnesota line of credit page. If a line fits, start your application. It takes about five minutes.
Established businesses with steady deposits, including sole proprietors. We review about three months of business bank statements.
Lines start at $25,000, and the size depends mainly on your deposits and existing obligations.
We start with a soft credit pull. Your offer explains anything further before you accept.
Funding can arrive in as little as 24 hours for qualified businesses after accepting.
Your offer shows the full repayment amount tied to a draw and the schedule before you sign.
Sole proprietors can apply. We look at the deposits in your business account and any existing obligations, the same as for any other business structure.
Example uses for illustration only.
Help us size a line that fits your business.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding