The actual terms
Published up front, because you should not have to apply to find out what something costs.
Why a line of credit instead of a loan
A term loan gives you a lump sum and you pay interest on all of it from day one. A line of credit sits there until you need it, and you only pay for what you draw.
That makes it the better tool for uneven cash flow — payroll gaps, seasonal dips, an opportunity that shows up with two days’ notice, or inventory you buy in cycles.
Not sure which fits? Compare a term loan and a line of credit side by side →
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
How much can I get?
From $10,000 up to $350,000, based on revenue, time in business and bank activity.
What is the rate?
Rates start at 1% per month. Your actual rate depends on the strength of the file.
Are there fees to open or maintain it?
No origination fee and no maintenance fee. Each draw carries a 2.49% draw fee — that is the one cost to know about, and it only applies when you actually pull money.
Is there a minimum draw?
Yes, $10,000.
Can I take other funding while the line is open?
No. Taking additional financing while the line is open freezes the line. If you need more, ask to increase the line instead.
What are the terms?
12 to 36 months.
Can I pay it off early?
Yes, with no early payoff penalty.
How fast can I be funded?
Same-day decision, next-business-day funding.