Business Line of Credit
Access up to $500K in revolving credit. Draw what you need, when you need it. Only pay interest on the amount you actually use — not the full credit line.
Revolving credit access
Credit Line
$250,000
$87,500 used
$162,500 available
Understanding MCA
A Business Line of Credit (LOC) works like a credit card for your business — but with much higher limits and lower rates. You're approved for a maximum credit limit, and you can draw any amount, anytime, up to that limit. The best part? You only pay interest on the amount you actually withdraw — not the full credit line. As you repay, your available credit replenishes, giving you ongoing access to funds whenever opportunities or expenses arise.
| LOC vs Term Loan vs MCA | LOC | Term Loan | MCA |
|---|---|---|---|
| Access | Revolving | One-time | One-time |
| Interest | On used | On total | Factor rate |
| Reusable | Yes ✓ | No | Renewal |
| Flexibility | Highest | Medium | High |
Buy inventory when prices are low, repay when you sell.
Bridge gaps between receivables and payables.
Fund campaigns and repay from resulting revenue.
Always have a safety net for unexpected costs.
Benefits
The most flexible financing option for businesses that need ongoing access to capital.
Unlike a term loan, your credit replenishes as you repay. Draw, repay, draw again — whenever you need.
Interest is charged only on the amount you withdraw, not the total credit line. $0 draw = $0 interest.
Once approved, draw funds instantly from your dashboard. No re-application needed for subsequent draws.
Our business lines of credit are unsecured. No need to pledge business or personal assets.
Have funds available for emergencies without paying interest until you actually draw. Peace of mind built in.
Responsible use can help build your business credit profile, unlocking better rates for future financing.
Simple Roadmap
Applying is entirely streamlined, securely processed, and incredibly simple.
Securely submit details in less than five minutes.
Get personalized rates in just a few business hours.
Safely link business records via Plaid bank encryption.
Access capital inside your secure account within 24 hours.
Secure Submission
Our secure, encrypted system processes details with zero score impact.
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