Ways to Use It

Cover the gap between doing the work and getting paid

Rent, suppliers and payroll are due now. Your customers pay in 30, 60 or 90 days. A line of credit keeps the bills paid while you wait.

Keep bills and suppliers paid on time
Stop juggling which bill to pay first
Pay it back when invoices clear

Get My Free Quote or call (888) 707-0202

Business owner reading bills at the kitchen table

How it helps

Profitable on paper, tight in the bank account

Plenty of healthy businesses run short on cash. The jobs are profitable, but the money comes in later than the bills go out. That gap is what causes late fees, strained supplier relationships and sleepless nights.

A line of credit is built for exactly this. Draw enough to cover what’s due, then pay it down when your customers pay you.

Owners use it to

Pay suppliers on time while waiting on receivables
Cover rent, insurance and utilities during a slow week
Avoid late fees and keep vendor terms in good standing
Handle an unexpected tax bill or expense

Who Qualifies

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

Questions owners ask

Is a line of credit better than factoring my invoices?

It depends. With a line of credit you keep your invoices and your customer relationships, and you draw only what you need. Some owners prefer that. We’re happy to talk it through.

Can I draw small amounts?

Yes. You draw what you need. Using a small part of your limit is common.

What if my cash flow is seasonal?

That’s a great fit. Draw in the slow months and pay down when business picks up.