Tell us about your business
Four quick questions. The first check is a soft credit check.
Business line of credit from $50K to $250K
Draw what you need, repay, and draw again. Interest only on what you use.
Initial soft credit checkNo obligation to accept
Business funding is personal. See what business owners are saying.
$50K to $250KCredit limit
8.99% annual rateStarting rate
12 to 30 monthsRepayment term
None requiredCollateral
The basics
What is a revolving, unsecured business line of credit?
An approved limit you draw from when cash gets tight, repay, and draw from again. You are approved once, for up to $250,000.
Interest only on what you draw.$30,000 drawn on a $150,000 limit costs interest on $30,000, not $150,000.
The credit refills as you repay.No reapplying for the next draw.
Draw to fit the moment.Payroll Friday, inventory in September, a repair next month.
Best for costs that come and go. For one large purchase, a term loan usually fits better.
Available to draw
$118,500
Drawn $31,500Limit $150,000
Compare
Line of credit vs term loan vs short-term funding
One eligibility check covers all three programs.
| Line of credit | Short-term funding | Long-term funding | |
|---|---|---|---|
| Amount | $50K to $250K | $20K to $1M | $50K to $3M |
| How you use it | Draw, repay, redraw | One lump sum | One lump sum |
| Term | 12 to 30 months | 6 to 24 months | 36 to 120 months |
| Starting rate | From 8.99% | From 11.99% | From 6.99% annual rate |
| Interest on | What you draw | Original amount | Remaining balance |
| Available in | US and Canada | US and Canada | US only |
Line of creditThis page
Amount$50K to $250K
How you use itDraw, repay, redraw
Term12 to 30 months
Starting rateFrom 8.99%
Interest onWhat you draw
Available inUS and Canada
Short-term funding
Amount$20K to $1M
How you use itOne lump sum
Term6 to 24 months
Starting rateFrom 11.99%
Interest onOriginal amount
Available inUS and Canada
Long-term funding
Amount$50K to $3M
How you use itOne lump sum
Term36 to 120 months
Starting rateFrom 6.99% annual rate
Interest onRemaining balance
Available inUS only
Common uses
Using a business line of credit for inventory, payroll and cash flow gaps
Payroll is due Friday. The invoice isn't. This is the most common reason owners open a line.
Inventory purchases
Buy ahead of a busy season.
Payroll gaps
Bridge a late invoice.
Marketing
Fund a campaign, repay from sales.
Equipment repairs
Draw the cost, get back to work.
Larger orders
Cover materials and labor upfront.
Expansion
Add a location or staff.
Is it right for you?
Is a business line of credit the right fit?
A quick way to tell, before you apply.
Often a good fit
- Revenue is uneven or seasonal
- Expenses repeat, like payroll or stock
- You want interest only on what you use
Another structure may fit better
- One large purchase: short-term funding or long-term funding
- Over $250,000 in the US: long-term funding up to $3M
- Not sure: your funding manager can compare
How it works
How to get a business line of credit in four steps
One short check. A person who reviews your numbers. An offer you can read before you decide.
Check your eligibilityA funding manager reviews it
Send 4 to 6 months of bank statements. A real person reviews your cash flow.
Review your offer
See the limit, rate, term and fees first. Complete the agreement only when it works.
Draw, repay, draw again
Repaid credit becomes available again until the term ends.
What business owners say about Lend On Capital
“They always reach out to make sure things are ok and remember my past loans and my needs.”
“I was really impressed by Lend On Capital. Ron in particular was remarkably direct and honest.”
“Quick to answer, super professional, and they got everything done without me having to chase anyone down.”
“Very good experience with Lend On Capital! The customer service is great. The process was fast and smoother than I expected.”
“I was able to secure the funds I needed to upgrade my equipment and grow my business.”
“I’ve worked with other lenders, but Lend On Capital truly stands out. The line of credit I received was exactly what my business needed.”
01 / 06
Excerpts from customer reviews. Individual experiences vary. Financing is subject to review and approval.
$500M+Capital delivered
10,000+Businesses funded
4.9Google rating
US + CABusinesses served
What is a business line of credit?
A business line of credit is a revolving credit limit. Your business is approved for an amount, draws only what it needs, pays interest on the drawn balance, and can borrow again as it repays.
How much can a business borrow with a line of credit?
Lend On Capital business lines of credit range from $50,000 to $250,000. Your limit depends on your business's cash flow, time in business and credit profile.
Do I pay interest on the whole credit limit?
No. Interest is charged on the amount you draw. With a $150,000 limit and a $30,000 draw, interest applies to $30,000. Unused credit costs nothing.
Will applying affect my credit score?
The initial application uses a soft credit pull, which does not affect your score. If a program needs a hard credit check later, your funding manager explains it first.
Is a business line of credit available in Canada?
Yes, for eligible Canadian businesses. You will need a Canadian business bank account and statements in CAD.
Apply for a business line of credit
Start with the amount. We'll show you the options that fit.
Check eligibility