Business line of credit · Direct lender
Working capital with room to grow.
A business line of credit from $25,000 to $750,000 — draw what you need, when you need it. APRs starting at 8.99%, with closing and funding as quickly as 5 days.
APRs starting at 8.99%. Actual APR depends on creditworthiness, underwriting, approval, and applicable loan terms. Not all applicants will qualify for the lowest advertised APR. Amounts and timing depend on eligibility, documentation, and the specific transaction.
What is a business line of credit?
A business line of credit is a flexible financing facility. Rather than a single lump sum, you are approved for a credit limit and can draw from it as needs come up — inventory, payroll, equipment, or a slow month.
You typically pay for what you use. After you repay drawn funds, they can become available again, subject to the specific facility's terms. Draw and repayment mechanics — including how and when credit replenishes — depend on the credit facility you are approved for.
It is often a better fit than a term loan when your needs are recurring or unpredictable, and a term loan can be simpler for a single, defined purchase.
What a line can help you do
- Cover timing gaps between expenses and revenue
- Fund inventory or materials before you sell
- Keep payroll steady through uneven months
- Seize an opportunity without a new loan application
- Manage receivables and cash-flow swings
Requirements
What we review in underwriting
We underwrite every application ourselves. There is no single published threshold for approval — these are the factors we consider.
Revenue and cash flow
How consistently the business generates and deposits revenue.
Time in business
How long the business has been operating under current ownership.
Credit profile
Personal and business credit history considered together.
Existing obligations
Current debt and financing that may affect capacity.
Industry and use of funds
The business's sector and what the capital will be used for.
Eligibility, APRs, amounts, and terms are determined by underwriting and are not guaranteed. Not all applicants qualify for the lowest advertised APR.
Use of funds
One line. More possibilities.
A flexible credit line lets you put capital where it matters most — without re-applying every time business calls for it.
Eligible uses vary by the terms of your facility.
How it works
Three steps to more room
Tell us about your business
Complete a short online inquiry — a few questions about your business, revenue, and goals.
We review your file
Best Line of Credit reviews your business directly — there is no marketplace and no third party in between.
Close and get funded
Complete underwriting, documentation, and closing. Funding can happen in as quickly as 5 days.
Submitting an inquiry is not an approval, preapproval, or a commitment to lend.
FAQ
Questions, answered clearly
Underwriting, APRs, and terms depend on your individual file. Where a term is not published here, it is not invented — it is confirmed in the applicable agreement.
Give your business more room to move.
Business lines of credit from $25,000 to $750,000. APRs starting at 8.99%, with closing and funding as quickly as 5 days.
Apply nowChecking your options does not affect your credit score.