Payroll is monthly. Client payments aren't.
Service businesses sell expertise and collect on terms. The team is paid on the first and the fifteenth, but invoices may run 30, 60, or 90 days. A line of credit converts delivered work into available working capital, so hiring and delivery are not gated by the slowest client in the ledger.
Where the pressure shows up
Extended client terms
Enterprise clients often dictate payment terms that are longer than a firm's own payroll cycle.
Fixed payroll and overhead
Salaries, benefits, software, and lease obligations are largely fixed regardless of collection timing.
Growth spending
Hiring ahead of revenue and investing in systems both require cash before they produce it.
How a line of credit helps
- Bridge receivables while client invoices are outstanding.
- Cover payroll and benefits through an uneven collections month.
- Invest in a hire or a system ahead of the revenue it generates.
Permitted uses are set by the terms of the specific facility. Nothing on this page is a statement of eligibility.
The product, in short
- Credit lines
- $25,000 – $750,000
- Pricing
- APRs starting at 8.99%
- Closing and funding
- As quickly as 5 days
- Who you apply with
- Best Line of Credit, directly
APRs starting at 8.99%. Actual APR depends on creditworthiness, underwriting, approval, and applicable terms. Not all applicants qualify for the lowest advertised APR. Timing depends on documentation, underwriting, and the transaction.
Start your applicationQuestions, answered clearly
Other industries we focus on
Construction & Home Services
Job-based cash flow and material costs that land before the check does.
Healthcare & Medical Practices
Insurance reimbursements and equipment that don't always match the billing cycle.
Wholesale & Distribution
Large purchase orders and the gap between paying suppliers and getting paid.
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.
Checking your options does not affect your credit score.