Keep capital on hand for uneven months. Draw when you need it and repay on a schedule set out in your offer.
Apply for a LineBusiness Line of Credit
Practices waiting on insurers, caterers between event seasons and consultants paid by milestone use a line to keep cash steady across Raleigh's ups and downs.
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, about three months of statements and no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with real weight on deposit history.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your schedule is laid out in the offer up front so each draw is easy to plan.
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 Raleigh means planning around things you cannot fully predict: a hurricane season that disrupts a week of jobs, a university calendar that empties out some neighborhoods each summer, a client whose payment slips a month. A business line of credit in Raleigh gives you a set amount to draw from as needs come up. You repay what you draw, following the schedule in your offer, and the line is there for the next need.
We hear from landscapers and pool service companies gearing up each spring, medical and dental practices that bill insurers and wait on reimbursement, event venues and caterers with lumpy bookings, and IT and engineering consultants who bill by milestone. What they share is income that arrives unevenly, even when the year as a whole is strong. A line lets them handle that unevenness without reapplying every time a gap opens up, and without carrying a large lump sum they only need part of the year.
We review about three months of business bank statements and start with a soft credit pull. Here is how we weigh what we see:
No tax returns are required, and sole proprietors can apply. Lines range from $25,000 to $5,000,000.
For illustration: a Cary-based catering company holds a line through the year. In April it draws to buy chafing equipment and hire staff for wedding season, then repays as event deposits and final payments come in. In October it draws again for holiday party bookings. The line covers timing gaps rather than becoming a permanent balance.
Your offer shows the line amount, how draws work, the full repayment amount and the schedule, all before you accept.
A single larger need may fit working capital in Raleigh better. If timing is tight, read our fast funding page. To get started, apply in about five minutes.
A set amount you can draw from as needed, repaying what you draw according to the schedule in your offer.
About three months of business bank statements and a short online application. No tax returns required.
We consider FICO scores from 500. Deposits and existing obligations also weigh heavily.
Funding can arrive in as little as 24 hours for qualified businesses after you accept.
Yes, sole proprietors can apply.
Example uses for illustration only.
These moves help you qualify for a more useful line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding