Flexible Capital, On Demand — Only Pay for What You Use
Access $10,000 to $500,000 in revolving credit. Draw funds when you need them, repay on your schedule, and only pay interest on the amount you actually use. Rates starting at 7%.
Line of Credit Details
How a Business Line of Credit Works
Think of it like a business credit card — but with much higher limits, lower rates, and direct cash access.
Get Approved
We establish your credit limit based on revenue, credit, and business strength. No impact on score during pre-qualification.
Draw Funds
Pull any amount up to your limit whenever you need it. Funds deposited to your bank account within 24 hours.
Pay Interest Only on Draws
You only accrue interest on the amount you've drawn — not your full credit limit. Unused credit costs you nothing.
Repay & Reuse
As you repay, your available credit replenishes automatically. Draw again whenever you need to — no reapplication required.
What Businesses Use Lines of Credit For
Cash Flow Management
Bridge gaps between accounts receivable and payable. Cover payroll, rent, or supplier payments while waiting for customer payments to clear.
Seasonal Inventory
Stock up before peak seasons without depleting cash reserves. Pay it back when revenue surges.
Emergency Expenses
Handle unexpected costs — equipment repairs, supply chain disruptions, or market opportunities — without disrupting operations.
Growth Opportunities
Act quickly on bulk purchase discounts, new contracts, or expansion opportunities that require immediate capital.
Marketing & Advertising
Fund seasonal campaigns, digital advertising pushes, or expansion into new markets with flexible capital.
Hiring & Training
Bring on new team members, fund training programs, or cover temporary staffing during growth periods.
Line of Credit vs. Term Loan
| Feature | Line of Credit | Term Loan |
|---|---|---|
| Access to Funds | Draw as needed, anytime | Lump sum upfront |
| Interest | Only on amount drawn | On full loan balance |
| Repayment | Flexible, revolving | Fixed monthly payments |
| Reusability | Yes — funds replenish | No — must reapply |
| Best For | Ongoing/variable needs | One-time purchases |
| Approval Speed | 24–48 hours | 1–4 weeks |
Frequently Asked Questions
How is a business line of credit different from a business credit card?
A business line of credit provides direct cash access to your bank account with typically higher limits ($10K–$500K vs $5K–$50K) and lower interest rates (7%+ vs 15%+). Credit cards are better for everyday purchases; lines of credit are better for significant capital needs.
Will applying affect my credit score?
Our pre-qualification uses a soft credit pull that does not impact your score. A hard pull is only performed when you formally accept an offer and proceed with funding.
How quickly can I access funds once approved?
Once your line of credit is established, draws are typically deposited into your business bank account within 24 hours. Initial approval takes 24–48 hours.
Is there a minimum draw amount?
Most of our lending partners have a minimum draw of $500–$1,000. There's no maximum other than your available credit limit.
What are the fees?
Some lines include a small origination fee (1–3%) or annual maintenance fee. There are no prepayment penalties and no fees on unused credit. We disclose all fees upfront before you accept.
Get Flexible Capital for Your Business
Pre-qualify in minutes. No obligation, no hard credit pull.
Check My RateBusiness lines of credit are subject to credit approval. Rates, terms, and credit limits vary based on creditworthiness, business financials, and lender criteria. Advertised rates starting at 7% APR are for the most qualified applicants. TrustScore Business Funding connects businesses with lending partners and is not a direct lender. TrustScore, LLC, 1342 NM 333, Tijeras, NM 87059.