A reserve for burst pipes, slow winters and late-paying clients. 5-minute application, soft credit pull, no tax returns required.
Open My LineBusiness Line of Credit, Philadelphia
Philly businesses deal with old buildings, tough winters and slow payers. A line of credit keeps a reserve within reach.
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.
5 minutes, about three months of bank statements, and funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We put real weight on steady deposits.
The full repayment amount is in your offer before you accept. No surprise costs after signing.
Your repayment schedule is laid out up front 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.
Running a business in an older city means surprises. Pipes burst in February, a storefront roof needs work, a landlord finally fixes the facade and you have to close for a week. Add winter slowdowns and slow-paying institutional clients, and a lot of owners end up scrambling more than once a year. A business line of credit gives you a reserve you can draw on when those moments hit.
Covering the quiet post-holiday weeks and equipment breakdowns.
Buying materials while waiting on payment for rowhome and commercial work.
Handling payroll timing while billing and reimbursements catch up.
Stocking up for the holidays and big city events.
Apply in about 5 minutes. We begin with a soft credit pull and ask for about three months of business bank statements. No tax returns required, sole proprietors can apply, and we consider FICO 500+. Lines start at $25,000, sized mainly on deposits and existing obligations. Your offer shows the full repayment amount and repayment schedule before you accept, and qualified businesses can be funded in as little as 24 hours.
Apply for a line today.
We start with your bank statements. Average monthly deposits, how consistent they are, how often the balance goes negative and the payments you already make to other financing all shape the limit. Credit is part of the picture as well; we consider FICO 500+. For Philadelphia businesses, we expect some seasonal movement, whether that is a beer garden that thrives in summer, a tax preparer whose deposits pile up in spring, or a heating contractor whose busy season is winter. We look at the months together.
A line works best when you treat it as a reserve rather than extra revenue. Draw for real needs, repay as cash comes in, and keep an eye on the repayment schedule in your offer. Owners who keep business and personal spending in separate accounts give us a cleaner picture and usually move through the review faster. If you are a sole proprietor, you can still apply; just route business income through a dedicated account.
For one defined expense, working capital loans in Philadelphia may be simpler. Businesses with strong card sales can review a merchant cash advance. Statewide information is on our Pennsylvania line of credit page.
Recurring or unpredictable needs: repairs, seasonal slowdowns, inventory and payroll timing.
Lines start at $25,000, with the limit based mainly on your deposits and existing obligations.
No. About three months of business bank statements is what we ask for.
FICO 500 and up, alongside your deposit history.
Yes. The full repayment amount and schedule are in your offer before you commit.
Example uses for illustration only.
Steps that can help support a larger line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding