Business Lines of Credit

Flexible Funding for Your Growth

A business line of credit (LOC) is your financial safety net and flexible working capital solution. Unlike a traditional loan that provides a lump sum upfront, an LOC allows you to draw funds as needed, up to a set limit. You only pay interest on the amount you borrow, making it an ideal tool for managing cash flow and seizing opportunities.

What is a Business Line of Credit?

A line of credit functions similarly to a credit card but is typically tied to a business bank account and often has lower interest rates and higher credit limits.

Revolving Access

As you repay the borrowed funds, the credit limit replenishes, allowing you to use it repeatedly without re-applying.

Interest Only on Use

Interest is only charged on the portion of the credit limit you actually draw.
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Flexible Use

Use the funds for nearly any business need, from payroll to inventory to unexpected expenses.
FLEXIBLE BUSINESS FINANCING

Why Choose a Line of Credit?

Access flexible funding that helps your business stay prepared, manage expenses and seize opportunities.

Benefit Description
Cash Flow Management Smooth out seasonal dips or bridge the gap between invoicing and customer payment.
Inventory & Supplies Quickly purchase new inventory or raw materials to meet demand.
Emergency Funding Cover unexpected costs like equipment repair without draining your savings.
Seize Opportunities Act fast on time-sensitive growth chances, such as bulk purchase discounts.
Lower Cost Often more affordable than a short-term loan, as you only pay for what you use.
✦

Flexible financing designed to support your business needs and long-term growth.

/* MAIN SECTION */ .credit-benefits-section { width: 100%; padding: 85px 24px; background: linear-gradient( 135deg, #173e2c 0%, #20583c 55%, #173e2c 100% ); box-sizing: border-box; font-family: Arial, Helvetica, sans-serif; color: #ffffff; } /* CONTAINER */ .credit-benefits-container { width: 100%; max-width: 1200px; margin: 0 auto; } /* HEADING */ .credit-benefits-heading { margin-bottom: 38px; } .credit-benefits-eyebrow { display: inline-block; color: #d9c18b; font-size: 12px; font-weight: 700; letter-spacing: 3px; margin-bottom: 15px; } .credit-benefits-heading h2 { color: #ffffff; font-size: clamp(32px, 4vw, 48px); font-weight: 600; letter-spacing: -1.5px; line-height: 1.2; margin: 0 0 14px; } .credit-benefits-heading p { color: #d0dfd4; font-size: 16px; line-height: 1.7; max-width: 700px; margin: 0; } /* TABLE WRAPPER */ .credit-benefits-table-wrap { width: 100%; overflow: hidden; border: 1px solid rgba(255,255,255,0.22); border-radius: 14px; background: rgba(255,255,255,0.035); box-shadow: 0 18px 45px rgba(0,0,0,0.12); } /* TABLE */ .credit-benefits-table { width: 100%; border-collapse: collapse; border-spacing: 0; color: #ffffff; text-align: left; } .credit-benefits-table thead { background: rgba(255,255,255,0.09); } .credit-benefits-table th { padding: 23px 28px; color: #e4d1a3; font-size: 15px; font-weight: 700; text-transform: uppercase; letter-spacing: 1.2px; } .credit-benefits-table th:first-child { width: 29%; } .credit-benefits-table th:last-child { width: 71%; } .credit-benefits-table td { padding: 24px 28px; border-top: 1px solid rgba(255,255,255,0.15); font-size: 16px; line-height: 1.7; vertical-align: middle; } .credit-benefits-table td:first-child { border-right: 1px solid rgba(255,255,255,0.15); } .credit-benefit-name { color: #ffffff; font-weight: 600; } /* HOVER EFFECT */ .credit-benefits-table tbody tr { transition: background 0.25s ease; } .credit-benefits-table tbody tr:hover { background: rgba(255,255,255,0.07); } /* BOTTOM NOTE */ .credit-benefits-note { display: flex; align-items: center; gap: 13px; margin-top: 25px; padding: 17px 20px; border-left: 2px solid #d9c18b; background: rgba(255,255,255,0.045); border-radius: 0 8px 8px 0; } .credit-note-icon { color: #d9c18b; font-size: 19px; flex-shrink: 0; } .credit-benefits-note p { color: #d0dfd4; font-size: 13px; line-height: 1.6; margin: 0; } /* TABLET */ @media (max-width: 768px) { .credit-benefits-section { padding: 65px 20px; } .credit-benefits-table th, .credit-benefits-table td { padding: 20px; } .credit-benefits-table th:first-child { width: 35%; } .credit-benefits-table th:last-child { width: 65%; } } /* MOBILE */ @media (max-width: 600px) { .credit-benefits-section { padding: 50px 16px; } .credit-benefits-heading { margin-bottom: 28px; } .credit-benefits-heading h2 { font-size: 32px; letter-spacing: -0.8px; } .credit-benefits-heading p { font-size: 14px; } .credit-benefits-table-wrap { overflow: visible; border: none; background: transparent; box-shadow: none; } .credit-benefits-table, .credit-benefits-table tbody { display: block; width: 100%; } .credit-benefits-table thead { display: none; } .credit-benefits-table tbody tr { display: block; margin-bottom: 14px; padding: 16px 18px; border: 1px solid rgba(255,255,255,0.17); border-radius: 12px; background: rgba(255,255,255,0.055); } .credit-benefits-table td { display: block; width: 100%; padding: 7px 0; border: none !important; font-size: 14px; line-height: 1.65; } .credit-benefits-table td:first-child { padding-bottom: 8px; } .credit-benefits-table td:first-child::after { content: ""; display: block; width: 32px; height: 2px; margin-top: 10px; background: #d9c18b; border-radius: 5px; } .credit-benefit-name { font-size: 16px; } .credit-benefits-note { padding: 14px; align-items: flex-start; } }

How Our Line of Credit Works

01

Simple Application

Complete our streamlined online application with basic business and financial information.
02

Fast Approval

Our team quickly reviews your application and determines your approved credit limit.
03

Draw Funds

Access your funds via online transfer, phone call, or in-person - usually within 1-2 business days.
04

Flexible Repayment

Make regular payments (monthly/weekly/daily) based on the amount you have drawn.
05

Reuse and Repeat

As you repay the principal, your available credit automatically resets for future use.
FIND THE RIGHT FINANCING

Line of Credit vs. Term Loan

Understand the key differences and choose the financing option that best supports your business goals.

Feature Business Line of Credit (LOC) Traditional Term Loan
Funding Revolving credit you draw from as needed. Single lump sum of cash up front.
Interest Only on the amount withdrawn. On the full loan amount, starting immediately.
Repayment Flexible, based on usage; credit resets upon repayment. Fixed monthly/weekly payments for a set term.
Best For Working capital, cash flow gaps, short-term needs. Large, one-time investments (equipment, real estate).
✦

The right financing solution depends on your business needs, repayment capacity and long-term objectives.

/* ================================== MAIN SECTION ================================== */ .loc-comparison-section { width: 100%; padding: 85px 24px; background: linear-gradient( 135deg, #173e2c 0%, #20583c 55%, #173e2c 100% ); box-sizing: border-box; color: #ffffff; font-family: Arial, Helvetica, sans-serif; } /* CONTAINER */ .loc-comparison-container { width: 100%; max-width: 1200px; margin: 0 auto; } /* ================================== HEADING ================================== */ .loc-comparison-heading { margin-bottom: 38px; } .loc-comparison-eyebrow { display: inline-block; color: #d9c18b; font-size: 12px; font-weight: 700; letter-spacing: 3px; margin-bottom: 15px; } .loc-comparison-heading h2 { color: #ffffff; font-size: clamp(32px, 4vw, 48px); font-weight: 600; letter-spacing: -1.5px; line-height: 1.2; margin: 0 0 14px; } .loc-comparison-heading h2 span { color: #d9c18b; } .loc-comparison-heading p { color: #d0dfd4; font-size: 16px; line-height: 1.7; max-width: 720px; margin: 0; } /* ================================== TABLE WRAPPER ================================== */ .loc-comparison-table-wrap { width: 100%; overflow: hidden; border: 1px solid rgba(255,255,255,0.22); border-radius: 14px; background: rgba(255,255,255,0.035); box-shadow: 0 18px 45px rgba(0,0,0,0.12); } /* ================================== TABLE DESIGN ================================== */ .loc-comparison-table { width: 100%; border-collapse: collapse; border-spacing: 0; color: #ffffff; text-align: left; } .loc-comparison-table thead { background: rgba(255,255,255,0.09); } .loc-comparison-table th { padding: 25px 24px; color: #e4d1a3; font-size: 15px; font-weight: 700; line-height: 1.5; letter-spacing: 0.3px; vertical-align: middle; } .loc-comparison-table th:first-child { width: 19%; } .loc-comparison-table th:nth-child(2) { width: 40.5%; } .loc-comparison-table th:nth-child(3) { width: 40.5%; } /* HIGHLIGHT LINE OF CREDIT */ .loc-comparison-table th.loc-primary-heading { color: #ffffff; background: rgba(217,193,139,0.12); } /* TABLE CELLS */ .loc-comparison-table td { padding: 25px 24px; border-top: 1px solid rgba(255,255,255,0.15); font-size: 16px; line-height: 1.75; vertical-align: middle; } .loc-comparison-table td:first-child, .loc-comparison-table td:nth-child(2) { border-right: 1px solid rgba(255,255,255,0.15); } /* FEATURE COLUMN */ .loc-feature-name { color: #ffffff; font-weight: 700; } /* LINE OF CREDIT COLUMN */ .loc-comparison-table tbody td:nth-child(2) { background: rgba(217,193,139,0.045); color: #ffffff; } /* HOVER EFFECT */ .loc-comparison-table tbody tr { transition: background 0.25s ease; } .loc-comparison-table tbody tr:hover { background: rgba(255,255,255,0.06); } /* ================================== BOTTOM NOTE ================================== */ .loc-comparison-note { display: flex; align-items: center; gap: 13px; margin-top: 25px; padding: 17px 20px; border-left: 2px solid #d9c18b; background: rgba(255,255,255,0.045); border-radius: 0 8px 8px 0; } .loc-comparison-note-icon { color: #d9c18b; font-size: 19px; flex-shrink: 0; } .loc-comparison-note p { color: #d0dfd4; font-size: 13px; line-height: 1.6; margin: 0; } /* ================================== TABLET RESPONSIVENESS ================================== */ @media (max-width: 850px) { .loc-comparison-section { padding: 65px 20px; } .loc-comparison-table th, .loc-comparison-table td { padding: 20px 16px; font-size: 14px; } .loc-comparison-table th:first-child { width: 20%; } .loc-comparison-table th:nth-child(2), .loc-comparison-table th:nth-child(3) { width: 40%; } } /* ================================== MOBILE RESPONSIVENESS ================================== */ @media (max-width: 600px) { .loc-comparison-section { padding: 50px 16px; } .loc-comparison-heading { margin-bottom: 28px; } .loc-comparison-heading h2 { font-size: 32px; letter-spacing: -0.8px; } .loc-comparison-heading p { font-size: 14px; } .loc-comparison-table-wrap { overflow: visible; border: none; background: transparent; box-shadow: none; } .loc-comparison-table, .loc-comparison-table tbody { display: block; width: 100%; } .loc-comparison-table thead { display: none; } .loc-comparison-table tbody tr { display: block; margin-bottom: 18px; padding: 16px; border: 1px solid rgba(255,255,255,0.18); border-radius: 13px; background: rgba(255,255,255,0.055); } .loc-comparison-table td { display: block; width: 100%; padding: 12px 0; border: none !important; font-size: 14px; line-height: 1.65; background: transparent !important; } .loc-comparison-table td:first-child { padding-top: 4px; padding-bottom: 10px; } .loc-comparison-table td:first-child::after { content: ""; display: block; width: 32px; height: 2px; margin-top: 10px; background: #d9c18b; border-radius: 5px; } /* MOBILE COLUMN LABELS */ .loc-comparison-table td:nth-child(2)::before { content: "BUSINESS LINE OF CREDIT"; display: block; color: #d9c18b; font-size: 10px; font-weight: 700; letter-spacing: 1.2px; margin-bottom: 6px; } .loc-comparison-table td:nth-child(3)::before { content: "TRADITIONAL TERM LOAN"; display: block; color: #d0dfd4; font-size: 10px; font-weight: 700; letter-spacing: 1.2px; margin-bottom: 6px; } .loc-comparison-note { padding: 14px; align-items: flex-start; } }

Check Your Eligibility

Don’t wait for a financial crunch to start your application. A Line of Credit is best secured before you need it, ensuring capital is available instantly when opportunities arise.

Check your Eligibility