Flexible access to capital when you need it. Draw funds as needed, pay interest only on what you use.
A business line of credit (BLOC) is a flexible financing option that gives you access to a predetermined amount of capital that you can draw from as needed.
Unlike a term loan where you receive a lump sum upfront, a line of credit works like a credit card — you only borrow what you need, when you need it, and you only pay interest on the amount you actually use.
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We work with 50+ lenders with varying requirements. Even if you don't meet all the criteria above, we likely have options for you.
Check Your Eligibility — FreeComplete our 2-minute application. We'll do a soft credit check that won't impact your score.
We'll match you with the best lenders in our marketplace and present your options.
Once approved (typically 24-72 hours), you can draw funds immediately when you need them.
⚡ No credit impact to pre-qualify | Most applications approved in 24-72 hours
A term loan gives you a lump sum upfront with fixed monthly payments. A line of credit gives you access to funds that you can draw from as needed, and you only pay interest on what you use. Think of it like a credit card vs. a car loan.
Business lines of credit typically range from $10,000 to $500,000. The amount you qualify for depends on your revenue, credit score, time in business, and other factors. We'll help you determine your maximum credit limit.
Many business lines of credit are unsecured (no collateral required). However, secured lines (backed by assets) may offer higher limits and lower rates. We'll present both options if you qualify.
No! We only do a soft credit pull to check your eligibility, which has zero impact on your credit score. Only when you choose to move forward with a specific lender will they do a hard pull.
Most of our clients receive approval within 24-72 hours. Once approved, you can typically draw funds immediately. Some lenders offer same-day funding for qualified borrowers.