Draw funds for repairs, inventory and slow weeks only when you need them. Apply in 5 minutes with a soft credit pull and no tax returns.
Open My LineBusiness Line of Credit
Oakland restaurants, trades and retailers use a line to handle a string of smaller needs over the year instead of one big loan.
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 roughly three months of statements. No tax returns. Funding in as little as 24 hours if qualified.
FICO scores from 500 are considered alongside your deposit history.
Your offer shows the full repayment amount on a draw before you accept. No surprise costs after you sign.
How each draw is repaid 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.
Not every cash need is one big number. Many Oakland businesses face a series of smaller ones: a repair in March, an inventory buy in May, a slow week in August. A business line of credit gives you a set limit to draw against when each of those arrives, so you only carry what you actually use.
Start with our 5-minute application. We run a soft credit pull and review about three months of business bank statements. There are no tax returns to gather. If you qualify, your offer explains your limit, how draws work, the full repayment amount tied to a draw and the schedule. You decide whether to accept after seeing all of it. Funding can arrive in as little as 24 hours for qualified businesses.
Your limit depends mainly on your deposits and what you already owe. A business with consistent monthly deposits and few existing payments will generally see more room than one with large swings or several advances in place. FICO scores from 500 are considered, and sole proprietors can apply.
A line works best when it has a job. Decide in advance which needs it will cover, such as repairs, seasonal stock or a payroll gap, and avoid drawing for things that do not bring money back in. Repay on schedule and keep watching your deposits. Owners who treat the line as a tool rather than spare cash usually find it is there when the real emergency shows up.
If you know the exact amount you need once, a working capital loan in Oakland may be simpler. If you need funds very quickly, read about fast funding in Oakland. Our line of credit overview covers the basics in more detail. Ready to go? Apply now.
Your offer explains how draws and repayment work on your line, including when funds become available again.
Lines start at $25,000. The size we offer depends mainly on your deposits and existing obligations.
No. FICO scores from 500 are considered, and we start with a soft credit pull.
About three months of business bank statements and a short application. No tax returns are required.
Your offer shows the full repayment amount tied to a draw and the schedule before you accept.
Example uses for illustration only.
These steps help you get a line that fits.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding