Bring on people and spend on growth when it makes sense
Hiring and marketing pay off, just not right away. A line of credit lets you make the move when the timing is right instead of waiting until you’ve saved it up.
- Hire before you’re stretched too thin
- Fund campaigns that bring in customers
- Pay it back as revenue grows
The right hire or campaign shouldn’t wait on your bank balance
Most owners know when they need another person or when it’s time to push harder on marketing. What holds them back is covering the cost for the first few months before it pays for itself.
Drawing on a line of credit covers that ramp-up period. When the new hire or campaign starts bringing in money, you pay it down.
Owners use it to
- Cover the first months of a new hire’s salary
- Run ads, mailers or local campaigns
- Build a new website or launch online ordering
- Train staff or bring in a specialist
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 marketing a good use of a line of credit?
It can be, especially for campaigns you’ve tested or that bring in customers quickly. Draw what you need and track what it brings in.
Can I use it for a new employee’s pay?
Yes. Covering payroll for a new hire while they ramp up is a common use.
How much should I draw?
Only what the next few months of the plan cost. You can always draw more later.
Other ways owners use their line
Payroll
Make payroll on time, even when customers pay you late.
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Inventory & Materials
Buy stock and materials before the busy stretch, not after.
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Equipment & Repairs
Fix or replace what breaks without draining your account.
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Cash Flow Gaps
Cover bills in the weeks between doing the work and getting paid.
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New Jobs & Contracts
Front labor and materials so you can say yes to bigger work.
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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.