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Flexible access to business capital when you need it.
A business line of credit can provide access to working capital for operating expenses, inventory, payroll, expansion and other business needs—without requiring you to use the full available amount at once.
How a Business Line of Credit Works
How a Business Line of Credit Works
A business line of credit provides access to an approved amount of capital that can be drawn as business needs arise. Unlike receiving one lump-sum amount, available funds can generally be accessed when needed, subject to the terms of the program.
ACCESS
ACCESS
Draw When Needed
Use available funds for eligible business expenses as needs arise.
USE
USE
Put Capital to Work
Use funds for inventory, payroll, operating expenses, expansion or other business needs.
REPLENISH
REPLENISH
Maintain Access
With revolving programs, available credit may replenish as borrowed amounts are repaid, subject to the financing terms.
When a Business Line of Credit Can Make Sense
When a Business Line of Credit Can Make Sense
A line of credit can be useful when your business wants access to capital for ongoing or changing needs rather than one specific expense.
Everyday Business Needs
Everyday Business Needs
✓ Inventory and supplies
✓ Payroll and operating expenses
✓ Seasonal cash-flow needs
✓ Unexpected business expenses
Growth & Opportunity
Growth & Opportunity
✓ Marketing and expansion
✓ Taking on larger projects or contracts
✓ Purchasing additional inventory
✓ Managing timing gaps between expenses and incoming revenue
You don't have to know exactly how much you'll use upfront. Available structures and credit limits depend on the business and underwriting.
Line of Credit or Lump-Sum Funding?
Line of Credit or Lump-Sum Funding?
Both can provide business capital, but they serve different needs. The right structure depends on how and when your business expects to use the funds.
Business Line of Credit
Business Line of Credit
Best suited for ongoing or changing needs
✓ Access funds as needed
✓ Useful for recurring expenses
✓ Can provide ongoing flexibility
✓ Revolving programs may replenish as funds are repaid
Lump-Sum Business Funding
Lump-Sum Business Funding
Best suited for a defined capital need
✓ Receive the approved funding upfront
✓ Useful for a planned purchase or project
✓ Predictable funding amount from the start
✓ May fit expansion, renovations or larger one-time expenses
Not sure which structure fits your business? That's okay. One application can help us explore available financing options based on your needs.
Frequently Asked Questions
Frequently Asked Questions
Do I have to use the entire line of credit at once?
Not necessarily. Many line of credit programs allow businesses to access available funds as needed, subject to the specific program terms.
Can I apply if I already have business financing?
Yes. Existing financing doesn't automatically prevent you from applying. Available options depend on your overall business profile.
How much can my business qualify for?
Available credit limits vary based on factors such as business revenue, qualifications and the specific financing program.
What if I'm not sure a line of credit is right for me?
That's okay. Submit one application and we can explore available financing options based on your business needs.
Ready to Explore a Business Line of Credit?
Ready to Explore a Business Line of Credit?
Get started with one application and explore available business financing options based on your needs and qualifications.
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