Draw for storm repairs, spring inventory or payroll during a contract delay. Repay on a schedule set out in your offer, then draw again.
Check My LineBusiness Line of Credit
Charter captains, roofers, hotels and contractors in Virginia Beach use a line to handle the bumps between busy season, storm season and slow season.
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 three months of statements. No tax returns, and funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Consistent deposits help us size a line that fits.
Your offer states the full repayment amount on draws before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so draws fit 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.
A Virginia Beach business might be slammed in July, steady in October and quiet in February. Add a nor'easter, a delayed government contract or a slow PCS season and the swings get bigger. A business line of credit lets you draw only when a gap appears, repay, and keep the line available for the next one. It is a tool for owners who know cash needs will come up but can't predict exactly when.
You apply online in about five minutes, starting with a soft credit pull. We review roughly three months of business bank statements and your existing obligations to set a line between $25,000 and $5,000,000. No tax returns required. FICO 500+ is considered, and sole proprietors can apply. Your offer explains how draws work, the repayment schedule and the full repayment amount before you accept. Funding can arrive in as little as 24 hours for qualified businesses.
All examples are for illustration.
Draw for needs that will pay back: inventory that sells, repairs that keep revenue moving, payroll that keeps a contract on track. Keep an eye on how each draw fits your repayment schedule and expected deposits. A line used with a plan stays useful year after year.
A line suits owners whose needs recur but vary in size: a few thousand for a repair in March, a larger draw for inventory in May, payroll help when a contract slips in the fall. If you have one fixed purchase in mind, a lump sum may be simpler. If your needs are frequent and unpredictable, a line keeps you from reapplying every time. Think about the last twelve months and how often you wished you had cash on hand.
Need one lump sum? Try working capital loans. Card-heavy business? Compare a merchant cash advance. Statewide details are on our Virginia line of credit page. Start with one application.
A line lets you draw as needed and use it again as you repay. A working capital loan is a single lump sum. Your offer explains the details of either.
A five-minute application and about three months of business bank statements. No tax returns are required.
Lines range from $25,000 to $5,000,000, based mainly on your deposits and existing obligations.
Seasonal businesses apply regularly. We review your deposit pattern to understand how your year actually flows.
Yes. Your offer shows the full repayment amount on draws before you accept, with no surprise costs after you sign.
Example uses for illustration only.
A few steps help us size your line accurately.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding