Working Capital & Business Lines of Credit
Flexible operating capital — revolving lines, term loans, and business credit cards — for cash-flow management, growth, and opportunity capture.
Best for
- Operating cash-flow management
- Inventory and receivables financing
- Growth and expansion capital
- Acquiring competitors or assets
What you'll need to qualify
- 2+ years in business
- $50K+ in monthly revenue (line of credit)
- 650+ personal credit (typical)
- Profitable or trending profitable
How it works
- 1
Quick application with business financials and bank statements.
- 2
Underwriting based on cash flow and business performance — not just credit score.
- 3
Funding within days of approval; revolving lines refill as you repay.
The trade-offs
Pros
- • Pay interest only on what you draw
- • Revolving — use, repay, reuse
- • Faster than CRE / SBA financing
Trade-offs
- • Smaller amounts than CRE products
- • Annual or draw fees may apply
- • Personal guarantee typical
See what you qualify for
Compare Working capital offers from 75+ lenders. No credit hit, no obligation.
Start my application