Does an online-only brand qualify differently from a storefront?

There is no separate published standard for online versus physical retail. Both fall within the retail and ecommerce segment we focus on, and each application is reviewed on its own financial picture.

Can the line cover advertising?

Marketing is one of the uses listed in the application. Whether a specific draw is permitted depends on the terms of your approved facility.

Is there a required time in business?

We ask for years in business because it is part of the picture, not because we have published a cutoff. No minimum time in business is advertised here.

Inventory, ad spend, and a fourth quarter that arrives all at once.

Retail and ecommerce run on pre-payment. Inventory is bought months before it sells, ad spend is paid before the attributed revenue lands, and marketplace payouts arrive on the platform's schedule. A line of credit smooths those timing gaps so a strong quarter does not depend on a healthy cash balance in week one.

Apply with us directly How the product works

Where the pressure shows up

Pre-season inventory

The stock that carries the biggest selling months is ordered and paid for well before those months arrive.

Marketing ahead of revenue

Ad spend, creative, and influencer commitments are paid up front while the resulting sales settle later.

Payout timing

Marketplace and processor payouts can lag sales by days or weeks, which tightens the account exactly when volume is highest.

How a line of credit helps

Fund pre-season inventory without tying up the operating account.
Cover ad spend during a launch or a peak period.
Bridge the gap between a sale and the payout landing.

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.

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Questions, 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.

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Checking your options does not affect your credit score.