Draw when costs come up instead of borrowing it all at once. Lines from $25,000 to $5,000,000, a soft pull to start and FICO 500+ considered.
Check My LineSouth Carolina Line of Credit
South Carolina businesses run on seasons, from beach traffic to hurricane prep. A line of credit lets you pull funds as you need them instead of guessing a lump sum up front.
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.
Apply in about 5 minutes with three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Your deposits carry real weight, and we start with a soft credit pull.
The full repayment amount is shown in your offer before you accept. Nothing surprising appears after you sign.
Your offer lays out the repayment schedule up front, so you can match draws to your cash flow.
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.
Some costs show up on a schedule. Others do not. A roofer in the Lowcountry gets a run of storm calls and needs shingles this week. A boutique in downtown Charleston restocks before a busy weekend. A food distributor in the Midlands covers a fuel bill while a large account pays late. A business line of credit gives you a set amount you can draw on as those costs appear, instead of borrowing a single lump sum up front.
We offer lines from $25,000 up to $5,000,000, depending on what your business supports.
The main input is your bank activity. We review about three months of business bank statements to see your deposit level, how consistent it is, and what existing obligations already pull from the account. Credit is part of the picture, but FICO 500+ is considered and we start with a soft credit pull.
No tax returns are required, the application takes about 5 minutes, and sole proprietors can apply. We work with established businesses that have steady deposits, so a year of mixed seasons is not a problem by itself.
If you already carry other financing, tell us up front. Existing payments affect how large a line makes sense, and it is better to size the line to what your account can comfortably handle.
| Situation | Better fit |
|---|---|
| Recurring, unpredictable costs | Line of credit |
| One known expense, like a renovation | Working capital |
| A specific machine or vehicle | Equipment financing |
Many South Carolina owners use a line as a cushion through hurricane season or the slower winter months on the coast, then draw again when the busy season ramps up.
Your offer shows the full repayment amount and the repayment schedule before you accept, and no surprise costs appear after you sign. Read how each draw is repaid so you know what leaves your account and when. Approved draws can be funded in as little as 24 hours for qualified businesses. To see what you qualify for, apply here.
Lines range from $25,000 to $5,000,000. Your deposit history and current obligations drive the amount more than anything else.
No. FICO 500+ is considered. We look at your deposits and how the business runs alongside credit, and we start with a soft pull.
About three months of business bank statements and a 5-minute application. No tax returns required.
It is meant for business costs such as inventory, payroll, repairs, materials and covering slow-paying customers.
Funding can arrive in as little as 24 hours for qualified businesses once you are approved and the paperwork is complete.
It depends on the need. A line suits recurring or unpredictable costs, while a lump sum of working capital fits a single, known expense.
Example uses for illustration only.
These habits tend to support a stronger line of credit request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding