A flexible pool of funds for parts, payroll and restocks. Soft pull to start, FICO 500+ considered, no tax returns required.
Get My LineBusiness Line of Credit ยท Riverside
Seasonal stock, slow-paying accounts and surprise repairs are easier to handle when funds are already lined 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 and about three months of statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ is considered. We open with a soft pull and weigh deposit history heavily.
Your offer shows the full repayment on draws before you accept. No surprise costs after you sign.
How draws are repaid is laid out in the offer up front, so planning is simple.
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.
Not every expense deserves its own financing request. For Riverside businesses with costs that come and go, a line of credit sets aside an amount you can tap when you need it. A landscaping company buying plants ahead of spring, a home health agency covering payroll before reimbursements arrive, an auto shop stocking parts for a busy week: each draws what it needs, when it needs it.
| Line of credit | Lump sum | |
|---|---|---|
| Best for | Recurring, variable costs | One defined purchase or project |
| Access | Draw as needed | Received all at once |
| Planning | Repay what you use | Fixed schedule from day one |
Many owners end up using both over time, depending on what the season throws at them.
We look at about three months of business bank statements, your application details and a soft credit pull to start. FICO 500+ is considered. Tax returns are not required, and sole proprietors can apply. Your offer shows the available amount, how draws are repaid and the full cost before you accept. Qualified businesses can be funded in as little as 24 hours.
Treat the line as a tool for timing, not a permanent balance. Riverside owners who use lines well tend to draw for a specific cost, tie it to the revenue it will produce, and repay as that revenue arrives. That keeps the line open for the next breakdown or rush order. It also helps to keep a simple log: what you drew, what it paid for and when it came back. Over time, that record shows how the line supports your business and makes it easier to judge whether a larger line would help.
Watch for one trap. If you find yourself drawing every month just to cover regular bills, the line is masking a cash flow problem rather than smoothing timing. In that case, step back and look at pricing, collections or costs before drawing more.
Compare a line against working capital in Riverside or a Riverside merchant cash advance if you have one large need. Our general business line of credit guide explains the product in more depth. Ready? Apply in about five minutes.
Established businesses with steady deposits and recurring expenses that vary in timing, like trades, retail and healthcare offices.
Sole proprietors can apply. We review business bank deposits, so a dedicated business account helps.
Your offer shows the full cost and repayment details before you accept. There are no surprise costs after you sign.
Lines are sized mainly by your deposits and existing obligations, within our range of $25,000 to $5,000,000.
We start with a soft credit pull, which does not affect your score.
Example uses for illustration only.
These moves can help you qualify for a bigger line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding