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Business line of credit

Revolving credit from $10K to $5M. Draw what you need, pay interest only on what you use, and your limit restores as you repay. No draw fees.

Credit that's there before you need it

Apply for business line of creditTalk to an advisor
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Business line of credit at a glance
Amount$10K – $5M
TermUp to 24 months
SpeedDraws land in seconds, 24/7
PaymentsWeekly
Best forCash-flow gaps, inventory, recurring costs

What businesses use it for

  • Bridge slow receivables
  • Buy inventory ahead of a season
  • Cover payroll during a slow month
  • Take a supplier's early-pay discount

How does a business line of credit work?

  1. 1

    Apply once with a soft credit check. You'll get a decision the same day.

  2. 2

    Your advisor sets a limit based on revenue, cash flow and time in business.

  3. 3

    Draw any amount, any time. Funds reach your account in seconds, including nights and weekends.

  4. 4

    Pay a simple weekly amount. As principal is repaid, that credit is available to draw again.

Why choose Credible Lending for a business line of credit?

Only pay for what you borrow

Interest accrues on drawn funds only. An unused limit costs you nothing but a flat monthly maintenance fee.

No draw fees

Many online lenders charge every time you draw. We don't.

Builds business credit

We report on-time payments to the business credit bureaus, so the line strengthens your profile as you use it.

Limit increases as you grow

Based on cash flow, net income and payment history, you may qualify for a higher limit without reapplying.

Business line of credit by industry

Related funding

Business line of credit questions

Something else on your mind? Ask an advisor.

How does line of credit repayment work?
Your balance is consolidated into one simple weekly payment. As you repay principal, your available credit is restored. There are no draw fees, only a straightforward monthly maintenance fee, and you can customize the payment amount and term to fit your budget.
Can I get a credit line increase?
Yes. Based on your cash flow, net income and repayment history, you may be eligible for a higher limit. Your advisor reviews increases without a new application.
What does a line of credit cost?
Pricing depends on your personal and business credit, time in business, annual revenue and cash flow. You'll see the full cost of capital, in dollars, before you accept anything.
Is a Credible Lending line secured or unsecured?
Our lines are revolving and don't require specific collateral such as equipment or real estate. Like most lenders, we generally take a general business lien and a personal guarantee.

Ready to see your business line of credit offer?

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor