Draw for spring stock, winter repairs or anything in between. Soft pull to start, about three months of statements, no tax returns.
See My LimitMinnesota Business Line of Credit
Minnesota costs come in waves. A line of credit lets you draw when the bills show up, with the full repayment amount and schedule spelled 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 are weighed alongside your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the 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.
A business line of credit sets a limit you can draw against. You do not take the full amount at once; you draw for the expense in front of you. For businesses whose costs come in waves rather than a steady stream, that is often a better fit than a single lump sum.
Consider a landscaping and snow removal company in the west metro. Spring means mulch, sod and seasonal hires. November means plow repairs and salt. Or a resort near the Boundary Waters that buys boats and supplies before the opener, then needs cash again to winterize cabins. Or an Iron Range repair shop whose work tracks the mining and timber economy. Each faces recurring, uneven costs, and a lump sum taken in March may be gone by the time the October bills arrive.
A line lets those owners draw at each turn of the calendar rather than guessing a single amount months ahead.
Funding can arrive in as little as 24 hours for qualified businesses.
Established Minnesota businesses with steady deposits, including sole proprietors. FICO scores of 500 and up are considered. Total funding runs from $25,000 to $5,000,000 across our products.
Funders weigh deposit consistency, existing payments and account behavior together when setting a limit. A business with frequent negative balances will usually see a smaller limit than one with similar revenue and a clean account history.
If you have a single, defined need, working capital in Minnesota may be simpler. If the money is going into a machine or vehicle, consider equipment financing. If you are not sure, apply and tell us what you need the funds for; we will point you to the product that fits.
A loan or lump sum delivers the full amount at once. A line sets a limit you draw against as needs come up.
Mainly by your deposits and the obligations already drawing from your account, with credit history and time in business also weighed.
We begin with a soft credit pull, which does not affect your score.
No. About three months of business bank statements is what we review.
Seasonal businesses can apply. Lines often fit seasonal cash needs well because you draw when costs hit.
Yes. Sole proprietors can apply. The review looks at your business deposits, obligations and credit together, the same as for an LLC or corporation.
Example uses for illustration only.
Want a stronger limit? Focus on these.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding