Business Line of Credit - $50K to $250K. Draw when you need it.
A revolving line of credit for businesses that need flexible capital - not a fixed lump sum. Borrow what you need, repay as you go, draw again. Rates from 8.99% annually. No collateral required. Serving small businesses across the US and Canada.
A line of credit for businesses works differently than a loan
A business loan gives you a fixed amount upfront and charges interest on all of it from day one. A business line of credit gives you a spending limit you control. Draw $15,000 this month, $8,000 next month, or nothing at all - you only pay interest on what you actually use. As you repay, your available credit refills. One approval, ongoing access.
Revolving Credit Access
A revolving line of credit means your available balance replenishes as you repay. Draw, repay, draw again - no reapplication needed each time you need capital.
Pay Interest Only on What You Draw
If you have a $150,000 credit line and draw $30,000, you pay interest on $30,000 - not the full limit. Unused credit costs you nothing.
Approved in 1 to 2 Business Days
Most credit decisions come back the same day you apply. We review your cash flow and recent revenue - not just a credit score.
No Collateral Required
This is an unsecured business line of credit. You don't put up equipment, real estate, or personal assets. Your monthly revenue qualifies you.
Weekly or Monthly Payments
Choose a repayment schedule that fits your cash flow cycle. Terms from 12 to 30 months with no prepayment penalty if you want to pay off early.
A Real Person Reviews Your File
No automated rejections. A funding advisor reviews your application and calls you if anything needs context before a decision is issued.
How to get a business line of credit in 4 steps
No branch visits. No stacks of paperwork. No 3-week wait for a bank committee to review your file.
Apply Online - 3 Minutes
Fill out a short application. No hard credit pull at this stage. No paperwork to gather upfront.
We Review Your Cash Flow
Upload 4-6 months of bank statements. Our team reviews your revenue - most decisions come back the same day.
Receive Your Credit Offer
We send your credit limit, rate, and payment schedule. Review it, ask questions, sign when you're ready.
Draw Funds Anytime
Your business line of credit is open. Draw what you need, when you need it. Repay and draw again.
Business line of credit rates and requirements
These are the actual numbers - not teaser rates with fine print attached. Your exact rate depends on your revenue, time in business, and credit profile. Everything is disclosed before you sign.
| Detail | Range |
|---|---|
| Funding Amount | $50,000 - $250,000 |
| Annual Rate | From 8.99% |
| Term Length | 12 - 30 months |
| Payment Schedule | Weekly or monthly |
| Approval Speed | 1 - 2 business days |
| Geography | US and Canada |
| Origination Fee | Disclosed before signing |
| Early Repayment | No penalty |
Do You Qualify?
- 6+ months in business
- $20,000+ monthly revenue
- US or Canadian business
- Active business bank account
- 4-6 months of bank statements
- Owner's government-issued ID
- No collateral required
- No equity given up
- No hard credit pull to apply
What small businesses use a line of credit for
A business line of credit works for almost any operating need. These are the most common ones we fund.
Inventory Purchasing
Buy stock ahead of a busy season or lock in a supplier discount - without draining your operating cash.
Payroll Gaps
Cover payroll when a large invoice is outstanding or revenue is slow. Keep your team paid without touching reserves.
Marketing & Advertising
Run a paid campaign, scale ad spend, or hire an agency - then repay from the revenue it generates.
Equipment Repairs
When a machine or vehicle breaks down, you need capital fast - not a 3-week bank approval timeline.
Contract Fulfillment
Win a large contract that requires upfront materials or labor. Bridge the gap and fulfill without personal risk.
Business Expansion
Open a second location, add a service line, or hire staff - on your timeline, not a bank committee's schedule.
Business line of credit - frequently asked questions
Straight answers to the questions business owners ask us most.
Real businesses. Real outcomes.
Here's what business owners say after working with Lend On Capital.
"Applied Monday afternoon, had my credit line active Tuesday morning. The process was fast and the team was straightforward the whole way through. Will definitely use them again."
"Our bank kept asking for more documents every week. Lend On Capital approved us in one day based on our bank statements. The rate was exactly what they told us - no surprises at signing."
"Used the line of credit to cover payroll when a big invoice was delayed. Borrowed $40K, paid it back over 8 weeks. The revolving access is the best part - I don't have to reapply every time."
Funding businesses from coast to coast
Whether you are in Miami or Vancouver, Dallas or Toronto - we fund businesses in every US state and all 10 Canadian provinces. No branch visits. No in-person meetings. Everything is handled remotely, and funds land in your account in as little as 24 hours.
Check your business line of credit eligibility in 3 minutes
No hard credit pull. No obligation. Just a clear look at what your business qualifies for today.