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Business line of credit for professional services

Revolving credit from $10K to $5M. Firm owners use Credible Lending business line of credit to hire ahead of a new contract or bridge net-60 client terms, with up to 24 months and draws land in seconds, 24/7.

Apply nowAbout business line of credit
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 for firm owners
Amount$10K – $5M
TermUp to 24 months
SpeedDraws land in seconds, 24/7
PaymentsWeekly
Best forCash-flow gaps, inventory, recurring costs

Common uses in professional services

  • Hire ahead of a new contract
  • Bridge net-60 client terms
  • Open a new office
  • Invest in software and systems

Why firm owners choose a business line of credit

People are the cost

Payroll runs every two weeks. Clients pay on their schedule.

Hiring leads revenue

New staff take months to bill fully. Capital covers the ramp.

Receivables are strong

Invoices to established clients are an asset you can borrow against.

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.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Other funding for firm owners

Questions, answered

Something else on your mind? Ask an advisor.

Can firm owners qualify for a business line of credit?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review professional services financials with the industry's cash-flow patterns in mind.
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.
Do staffing agencies qualify?
Yes. Staffing firms often use invoice financing to cover weekly payroll while clients pay on 30- to 60-day terms.

Ready when your business is.

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

Apply nowTalk to an advisor