Lines of Credit
Lines of credit provide flexible capital that business owners can draw from as needed. You only pay interest on what you use, giving you control over working capital without locking into a term loan. This structure is ideal for handling seasonal fluctuations, unexpected expenses, or short-term opportunities that require quick access to funds.
We help clients secure revolving credit from lenders that understand their industry, ensuring the facility aligns with revenue cycles and operational needs. Whether you are seeking a small unsecured line or a larger facility secured by receivables or inventory, our team can structure and position the request for funding.
Line of Credit Requirements
We help clients secure revolving credit from lenders that understand their industry, ensuring the facility aligns with revenue cycles and operational needs.
Basic business documentation including three months of bank statements and a current balance sheet.
- Profit and loss statement and a brief explanation of how the funds will be used.
- Secured lines may require a current receivables report or inventory ledger.
- Amounts over $100,000 typically require business tax returns and a debt schedule.
- Borrowers must show consistent or seasonally reliable revenue and minimal recent delinquencies.
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Need a lower monthly payment plan?
Lines of credit generally offer interest-only payments during the draw period, keeping monthly obligations low and preserving cash flow.
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Want to protect against slow-paying customers?
Use a credit line to cover payroll or supplier costs while waiting on receivables. It can help you avoid operational delays caused by inconsistent cash inflow.
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Looking for flexible capital without reapplying?
Once approved, your line of credit can remain open for ongoing access. Draw what you need, repay, and reuse without repeated applications.
