Draw funds when the business needs them. Soft credit pull to start, about three months of statements, no tax returns.
See My LimitLine of Credit ยท Portland
Keep a line ready for storms, slow months and sudden opportunities instead of scrambling for cash each time something comes up.
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.
Five-minute application with about three months of bank statements. Qualified businesses can access funds in as little as 24 hours.
FICO 500 and up is considered alongside your deposit history.
Your offer shows the full repayment amount before you accept, and nothing surprising appears after signing.
The repayment schedule is set out in your offer so you can plan each draw.
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 lets you draw what you need, when you need it, up to an approved limit. For many Portland owners that is a better match than a one-time lump sum, because expenses do not arrive on a neat schedule. A roof leak during a January storm, a large catering order, a supplier offering a discount for paying early: a line lets you respond without starting a new application each time.
Portland's wet winters and busy summers create uneven months for restaurants, landscapers, outdoor outfitters and event businesses. A line can smooth those months out.
Contractors, agencies and production companies often front costs before a client pays. Drawing on a line covers materials and labor in the meantime.
When a bulk inventory deal shows up, having funds ready can make the difference.
The application takes about five minutes and starts with a soft credit pull. We review roughly three months of business bank statements and do not require tax returns. FICO 500 and up is considered, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, with funds available in as little as 24 hours for qualified businesses.
If you need one larger amount instead, look at working capital loans in Portland. Outside the city, see our Oregon line of credit page.
Before opening a line, think about how often you actually face surprise expenses or short-notice opportunities. If it happens a few times a year, a line can save you from scrambling. Consider what limit would genuinely cover those moments without tempting you to draw for things that do not move the business forward. Also look at your recent statements: steady deposits and a clean account history give us the clearest picture of what limit makes sense for your Portland business. A good line is one you use with a plan, not on impulse.
Your offer spells out the full repayment amount and schedule before you accept. Use the line for real business needs and keep track of what you have drawn. When you are ready, apply here.
A line lets you draw funds as needed up to a limit. Working capital funding usually arrives as one lump sum. Both have repayment details laid out in your offer.
Limits are based mainly on your deposits and existing obligations. Our funding range is $25,000 to $5,000,000.
FICO scores of 500 and up are considered. Your revenue history is weighed alongside your score.
Many seasonal businesses use a line to cover slower months and draw again before busy periods.
About three months of business bank statements. No tax returns are required.
Yes. Your offer lays out the full repayment amount and schedule before you accept, so you know how draws are repaid before you use the line.
Example uses for illustration only.
These habits can help you qualify for a stronger line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding