Recurring operating expenses
Keep inventory stocked and everyday expenses covered with individual draws. A credit line lets you borrow within the available limit without taking the full amount at once.
Business line of credit
Working capital for the rhythm of your business.
Restock inventory, cover everyday costs and bridge the time between an expense and a customer payment. A business credit line provides access to funds within an approved limit.
Cash-flow gaps
Business expenses and customer payments do not always arrive together. Available credit can cover a timing gap, with each draw adding a repayment obligation.
Revolving access
Principal repayments restore borrowing room on a revolving line. Account reviews and renewal conditions can restrict future access.
Frequently asked questions
How is a credit line different from a term loan?
A term loan provides a lump sum. A credit line allows repeated draws within the available limit; minimum draw amounts may apply.
What costs can apply?
Costs can include interest or other draw charges, plus account, draw or renewal fees. Repayment frequency differs between products.
Does unsecured mean there is no personal guarantee?
No. Collateral and a personal guarantee are different obligations. An unsecured product may still require a personal guarantee.
What affects eligibility?
Revenue, cash flow, credit history, operating history and existing obligations commonly affect eligibility.