A business line of credit from an online funder, revenue-based advances or equipment financing can replace most bank credit uses. Each prices risk differently, so compare total payback.
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Traditional bank credit, usually a revolving line, is the cheapest working capital a small business can get. When it is denied, reduced or frozen, several private products can fill the same role.
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.
You can apply at 500; stronger credit opens more products.
Existing balances of $100,000 or less can be bought out.
Net cash, total payback and payment shown before you sign.
Approved files are usually funded the next business day.
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 bank line gives you a limit to draw against, interest only on what you use, and a renewal every year. Private replacements imitate that in different ways. Online business lines of credit work almost the same way but approve faster and accept lower credit, at a higher cost per draw.
If you mostly need a single lump sum rather than a revolving limit, revenue-based funding or a merchant cash advance can replace the line for that one need. For businesses whose credit need comes from slow-paying customers, invoice financing replaces the line by advancing receivables. Business credit cards cover small, frequent purchases but get expensive if balances roll over.
Many owners rebuild bank credit later by keeping a private line in good standing, paying on time, and showing stronger deposits. Treat the private option as a bridge: use it for what it does best, and revisit the bank once the business record improves.
This shows how a private replacement for a bank line might be priced on a single draw. Illustrative only.
| Amount funded | $50,000 |
| Factor rate | 1.35 |
| Total payback (amount × factor) | $67,500 |
| Fees deducted at funding (5%) | $2,500 |
| Net cash you receive | $47,500 |
| Weekly payment over 32 weeks | $2,109 |
| Same total as daily debits (~160 business days) | $422/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Bank revolving line | Online line of credit |
| Seasonal bank line | Revenue-based funding timed to the season |
| Receivables line | Invoice financing or factoring |
| Small purchases on credit | Business credit card, paid in full |
| One-time bank loan | Merchant cash advance or term product |
Good fit:
Probably not yet:
Common reasons include weaker financial statements, lower collateral values, industry risk or tighter bank policy. It is not always about your payment history.
It works similarly, with a limit and payments only on what you draw, but approval is faster, credit requirements are lower and the cost is higher.
Not exactly. An advance is a lump sum repaid over a set schedule, so it fits one-time needs better than revolving ones.
Usually stronger credit than revenue-based funding, often around 650 or higher, plus steady deposits.
Pay every obligation on time, keep balances positive, and build at least a year or two of strong statements before reapplying.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding