Draw on a reserve when materials, repairs or new jobs come up. Apply in 5 minutes with about three months of statements.
Check My LineBusiness Line of Credit, Utah
Instead of guessing one lump sum, keep a reserve ready for the weeks you need it. Sized mainly on your deposits and current obligations.
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 form and about three months of statements. No tax returns required.
We weigh deposits and obligations alongside credit, so the score is not the whole decision.
Your offer shows the full repayment amount up front. No surprise costs after you sign.
The schedule is laid out in your offer, including how draws and repayments work together.
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 business line of credit gives you access to a set amount that you can draw from as needs come up, rather than taking one lump sum on day one. For many Utah owners, that flexibility matches how their business actually runs. Expenses are uneven, opportunities show up without notice, and the busiest months are rarely the months when cash is most available.
Lines of credit suit businesses with recurring, unpredictable needs:
If you only need money once for a single purchase, a lump sum such as working capital in Utah may be simpler.
The amount available is based mainly on the deposits running through your business account and any obligations you already carry. Lines and other products range from $25,000 to $5,000,000. Funders look for steady deposits over time, manageable existing payments and an account without frequent negative days. FICO scores of 500 and up are considered.
The application takes about five minutes and starts with a soft credit pull. We ask for about three months of business bank statements. No tax returns required, and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Apply online to see what is available.
Your offer explains the full repayment amount and how the payment schedule works before you accept. Read how draws and repayments interact so you can use the line with confidence. If you have a specific asset purchase in mind, compare against equipment financing.
A line works best when draws go toward costs that pay back quickly, like materials for a job that is already sold or inventory for a proven season.
Working capital is typically a single lump sum. A line of credit lets you draw what you need, when you need it, up to an available amount.
Mainly your deposit history and your existing obligations. Credit history is also considered, with FICO 500+ reviewed.
No tax returns are required. We work from about three months of business bank statements and a short application.
Seasonal businesses can apply. Funders look at deposit patterns across the statements, so explaining your seasonal cycle on the application helps.
Qualified businesses can be funded in as little as 24 hours after the review is complete.
Yes. List your current payments on the application. Existing obligations affect how much new funding your deposits can support, so disclosing them up front keeps the review accurate and quick.
Example uses for illustration only.
These steps help a Utah line of credit request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding