A reserve for the slow side of the year. 5-minute application, about three months of bank statements, soft credit pull to start.
Get My LineLine of Credit, Phoenix
Whether your rush is July or January, a line of credit helps carry you through the quieter months without starting over each time.
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-minute application, bank statements instead of tax returns, funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Your deposit history carries real weight.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is in your offer up front, so you can plan draws with confidence.
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.
Ask a Phoenix owner about cash flow and you will usually hear about the calendar. Some businesses peak in summer, when cooling, pools, roofs and cars all need attention. Others peak in the cooler months, when visitors, golf and events fill the Valley. Either way, one part of the year funds the other. A business line of credit gives you a reserve to lean on during the lean stretch without starting a new application every time.
| Business | Typical draw |
|---|---|
| Pool service company | Chemicals and parts before summer peaks |
| Resort-area restaurant | Staffing up ahead of tourist season |
| Electrical contractor | Materials while waiting on progress payments |
| Medical or dental practice | Equipment repairs and payroll timing |
Examples are for illustration; your line is sized mainly on your deposits and current obligations.
Fill out the 5-minute application and we start with a soft credit pull. Send about three months of business bank statements; no tax returns required. We consider FICO 500+, and sole proprietors can apply. 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 your line and see what your deposits support.
Your limit comes mostly from your deposits and what you already owe. We look at monthly averages over the last few months, how steady they are, how often the account dips below zero and any existing payments to other funders. For Phoenix businesses we expect the seasonal curve, so a quiet July for a Scottsdale restaurant or a slow January for an HVAC company is read in context. Credit history counts too, and we consider FICO scores from 500 up. Owners who keep business and personal money separate make their statements much easier to read, which helps the review go faster.
A line is most useful when you plan to draw on it for real business needs and repay as revenue comes in. Think about the slow months you have had the last two years and size your request around those gaps, not around the largest number you could use.
A line is for repeat needs. For a single purchase or project, working capital loans in Phoenix may be cleaner. If timing is your biggest concern, read about fast business funding in Phoenix. Owners elsewhere in the state can visit our Arizona line of credit page.
A line gives you a reserve to draw on as needs come up, rather than one lump sum for a single purpose.
Seasonality is common here. We look at your deposits across months, not just your slowest one.
About three months of business bank statements. No tax returns required.
We start with a soft credit pull.
Funding starts at $25,000. Your limit depends mainly on your deposits and existing obligations.
Example uses for illustration only.
A few simple moves help support a larger line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding