Ready to grow? Have the money ready too.
A second location, a remodel, a bigger shop. Expansion comes with a long list of costs that don’t all hit at once. A line of credit lets you pay for each piece as it comes.
- Fund build-outs and remodels
- Cover deposits, signage and setup costs
- Draw as each bill comes due

Expansion is a series of bills, not one big one
Opening or growing a location means deposits, permits, contractors, fixtures, signage, inventory and new hires, usually spread out over a few months.
With a line of credit, you don’t have to guess one big number up front. You draw as each cost comes due and keep the rest available for the surprises that always come with a project like this.
Owners use it to
- Cover a lease deposit and first months’ rent
- Pay contractors for a build-out or remodel
- Buy fixtures, furniture and equipment
- Stock a new location and hire staff before opening day
The basics we look for
If your business checks these boxes, it’s worth a few minutes to apply.
We look at how your business is actually doing, mostly through your recent bank statements. Your credit score matters less here than it does at a bank.
- Time in business6 months or more
- Monthly revenue$15,000 or more
- Business bank accountRecent statements
- LocationU.S.-based business
- CollateralNot required
Questions owners ask
Is $350,000 enough to open a new location?
For many small businesses it covers a lot, especially combined with your own cash. Your advisor can help you think through the numbers.
Do I need to show a business plan?
No formal plan is required. We mainly look at how your existing business is doing.
Can I draw in stages?
Yes. That’s one of the main advantages of a line over a lump-sum loan.
Other ways owners use their line

Payroll
Make payroll on time, even when customers pay you late.
Learn more →
Inventory & Materials
Buy stock and materials before the busy stretch, not after.
Learn more →
Equipment & Repairs
Fix or replace what breaks without draining your account.
Learn more →
Cash Flow Gaps
Cover bills in the weeks between doing the work and getting paid.
Learn more →
New Jobs & Contracts
Front labor and materials so you can say yes to bigger work.
Learn more →
See what your business qualifies for
Tell us what you need the money for and how much. A funding advisor will follow up with real numbers, usually the same day.