Draw funds when costs show up, not before. For established Seattle businesses with steady deposits. Soft credit pull to start.
Check My OptionsLine of Credit ยท Seattle
Seattle trades, retailers and service firms use a line for costs that do not follow a schedule. Your offer shows the full repayment amount first.
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.
A 5-minute application and about three months of statements. No tax returns. As little as 24 hours for qualified businesses.
FICO 500+ considered. We look at deposits alongside your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer up front.
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 Seattle plumbing outfit needs a van repaired. A neighborhood grocer gets a chance to buy a supplier's overstock at a good price. A small tech consultancy takes on a contractor before a client pays. None of these are huge, and none of them happen on a schedule.
A business line of credit gives you access to a set amount. Draw when the need shows up, repay on the schedule in your offer, and as you pay it down, that room is generally available again. You only use what you need.
Have one large expense instead? Compare working capital in Seattle or a Seattle merchant cash advance. Statewide options are on our Washington line of credit page.
We review about three months of business bank statements. Deposits and existing obligations drive the size of the line more than anything else. FICO scores from 500 are considered, and the first look is a soft pull.
No tax returns are required. Sole proprietors can apply.
For illustration only: a Seattle electrical contractor keeps a line open. In spring, a truck needs repairs, so the owner draws a modest amount and repays from the next few jobs. In summer, a supplier offers a discount on a large wire order, and the owner draws again. In the slower winter months, the line stays mostly untouched as a cushion.
Over the year, the contractor only paid for what was drawn, and never had to apply from scratch for each need. The size of the line itself came from the contractor's deposit history and existing obligations, which is how lines are generally sized.
A setup like this suits Seattle trades, where repair and materials costs land at odd times and a slow, rainy stretch can follow a busy dry season. Keeping room available means the next surprise does not have to wait on a new application.
Complete the 5-minute application, send your statements, and review an offer that shows the full repayment amount and schedule. Qualified businesses can be funded in as little as 24 hours. Funding ranges from $25,000 to $5,000,000.
A lump sum gives you everything at once. A line lets you draw as needed and, as you repay, generally lets you draw again.
Mainly about three months of bank statements: how much comes in, how steady it is, and what you already owe.
No single factor decides it. FICO 500+ is considered, and credit is weighed together with deposits.
No tax returns are required.
Qualified businesses can be funded in as little as 24 hours.
Sole proprietors can apply. We look for an established business with steady deposits.
Example uses for illustration only.
Small changes can strengthen your line of credit application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding