Flexible access to funds for Oregon businesses with steady deposits. Draw as costs come up. Soft pull to start and no tax returns.
Start ApplicationBusiness Line of Credit, Oregon
Barrel orders, holiday restocks, and slow-paying clients rarely line up with your deposits. A line of credit lets you draw when the cost appears.
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 and roughly three months of statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered, with deposits and balances weighed alongside it.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The schedule for repaying what you draw is laid out in the offer.
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 line of credit works differently from a lump sum. You get access to a set amount and draw from it as costs come up. That suits Oregon businesses whose expenses arrive unevenly: a winery buying barrels and bottles before release, a Portland agency waiting on client payments, or a Medford distributor restocking ahead of the holidays.
A line tends to make sense if you:
If you need one large purchase, equipment financing in Oregon or a lump of working capital may be simpler.
We look at about three months of business bank statements to understand your deposits, balances, and any existing obligations. We consider FICO scores of 500 and up, and we begin with a soft credit pull. No tax returns are needed. Sole proprietors are welcome to apply. Line amounts are based on what your account activity supports, within our $25,000 to $5,000,000 range.
For illustration: a Willamette Valley winery opens a line ahead of its fall release. In August it draws to buy glass and labels. In October it draws again to cover extra tasting room staff for harvest weekends. Between those draws, the unused part of the line stays available. Each draw is repaid according to the terms in the offer, and the owner knows the full repayment amount on what they used before accepting.
You only draw what you need. Unused room on the line stays available, and the offer explains how repayment works on each amount you draw.
Every offer shows the full repayment terms and schedule before you agree. Read it, ask questions, and only move forward if it fits your cash flow. When you're ready, start the 5-minute application.
You are approved for a set amount and draw funds as needed. Your offer explains how repayment works on what you draw before you accept.
A short application and about three months of business bank statements. No tax returns are required.
We consider FICO scores of 500 and up. Your deposit history and existing obligations also matter.
It depends on how you plan to use the money. A line suits repeated, uneven costs; an advance suits a one-time need repaid from sales. We can walk you through both.
Qualified businesses can be funded in as little as 24 hours after approval and signing.
Yes. Sole proprietors can apply. We review your business bank statements the same way we would for any other business.
Example uses for illustration only.
A few habits help when you apply for a line or ask for a larger one later.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding