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◆ Comparison

Line of credit vs business credit card: different tools, not rivals.

Most businesses should have both. The mistake is trying to run a $180,000 equipment purchase through a card, or opening a credit line to buy office supplies.

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$350KLine of credit max
$10KMinimum draw
1%/moRate from
2.49%Draw fee

Side by side

Typical limitCard: a few thousand to around $50,000. Line of credit: $10,000 to $350,000.
Access to cashCard: cash advances are expensive and capped. Line: the full draw lands in your account.
CostCard: interest if you carry a balance, often 20%+ APR. Line: from 1% per month plus a 2.49% draw fee.
Minimum drawCard: none. Line: $10,000.
QualificationCard: mostly personal credit. Line: 3 years in business, 650 FICO, $25,000/month revenue.
Best forCard: recurring spend, travel, software, small purchases. Line: inventory, payroll gaps, equipment, opportunities.
RewardsCard: usually. Line: no.
ReportingCard: often to personal credit. Line: business facility.

The short answer: Use the card for spend. Use the line for capital. A card cannot fund a $120,000 inventory buy, and a credit line is the wrong instrument for a $400 software bill.

Where people get caught

Running a large purchase through a card and carrying the balance is one of the most expensive things a business can do. Card APRs above 20% compound on a balance that was never meant to sit there.

The other trap is the opposite: opening a credit line and drawing $10,000 you do not need because that is the minimum. If the need is smaller than $10,000, the line is not the right tool that month.

Cards are for spend that recurs and clears monthly
Lines are for capital that produces a return
Our line re-amortizes over 12-36 months on every new draw
No origination fee, no maintenance fee, no early payoff penalty

One rule that matters

Taking additional financing while a line of credit is open is a breach and freezes the line. If you need more while the line is open, ask to increase it rather than taking a second product behind it.

More on this: Position limits and stacking rules →

How it works

1. Apply in minutes

A short application. No impact to your credit score to see what you qualify for.

2. Same-day decision

We review revenue, time in business and bank activity — not just a credit score.

3. Review your terms

You see the amount, the term and the total cost before you sign anything.

4. Funded next business day

Money in your account, typically the next business day after signing.

Common questions

Which has the higher limit?

A line of credit, by a wide margin — up to $350,000 against a typical card ceiling well under $50,000.

Which is easier to qualify for?

A card. A line of credit requires 3 years in business, a 650 FICO and $25,000 in monthly revenue.

Can I use a line of credit like a card?

Not for small purchases — the minimum draw is $10,000.

Is a line of credit cheaper than a card?

Generally yes on a carried balance. From 1% per month against card APRs that commonly exceed 20%.

Can I have both?

Yes, and most established businesses should. They solve different problems.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

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