Draw what you need, when you need it. FICO 500+ considered, about three months of bank statements and no tax returns.
See My LineTexas Line of Credit
Texas businesses face swings from weather, energy prices and project timing. A line of credit gives you room to respond without starting over each time.
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. Funding in as little as 24 hours for qualified businesses.
Credit is one factor. Steady deposits weigh heavily in our review.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out up front so each draw fits 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 expenses show up on a calendar. Others show up when an AC unit fails in an El Paso restaurant in August, or a Fort Worth contractor wins a bid that needs materials this week, or a hurricane warning on the coast means stocking up fast. A business line of credit is built for those moments.
You get access to funds you can draw from when you need them. Each draw comes with its full repayment amount and repayment schedule shown before you accept, so you always know what you are taking on.
Texas has a huge and varied economy: energy in the Permian and along the Gulf, construction across fast-growing metros, agriculture and ranching across the plains, ports and logistics around Houston, and a broad base of retail and hospitality everywhere in between. Many of these businesses have revenue that swings with weather, commodity prices or project timing.
A line lets you borrow for the gap and pay it down as revenue comes back, instead of applying for new funding every time.
Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Start here.
Use the line for needs that bring money back: materials for a booked job, stock you know will sell, a repair that keeps the doors open. Pay draws down as revenue arrives so you have room for the next surprise. A line used this way becomes a safety net rather than a permanent balance.
For one known expense, working capital may be simpler. For a specific truck or machine, see equipment financing in Texas. Card-heavy businesses may prefer a merchant cash advance. Learn more about how lines work on our business line of credit page.
You get access to funds you can draw from as needs come up. Each draw shows the full repayment amount and schedule before you accept.
Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.
About three months of business bank statements and a 5-minute application. No tax returns.
We start with a soft credit pull, which does not affect your score.
Sole proprietors can apply. We look at steady deposits in a business bank account.
A line suits repeated, unpredictable needs. If you have one clear expense, a lump sum of working capital can be simpler.
Example uses for illustration only.
These habits make a line work harder for you.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding