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Business line of credit for retail & ecommerce

Revolving credit from $10K to $5M. Retailers use Credible Lending business line of credit to place a larger seasonal order or scale a paid campaign that's working, 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 retailers
Amount$10K – $5M
TermUp to 24 months
SpeedDraws land in seconds, 24/7
PaymentsWeekly
Best forCash-flow gaps, inventory, recurring costs

Common uses in retail & ecommerce

  • Place a larger seasonal order
  • Scale a paid campaign that's working
  • Open a pop-up or new store
  • Upgrade POS and fulfillment

Why retailers choose a business line of credit

You pay suppliers first

Inventory is bought months before it sells. A revolving line covers the gap and resets as stock sells through.

Peak season decides the year

Fund the Q4 order in Q3, then repay from holiday revenue.

Ad spend compounds

When a campaign works, capital lets you scale it while it's working.

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 retailers

Questions, answered

Something else on your mind? Ask an advisor.

Can retailers 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 retail & ecommerce 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.
Can ecommerce businesses qualify without a storefront?
Yes. We look at revenue, deposits and processor history, not whether you have a physical location.

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