Access Capital When You Need It
Pay Only for What You Use
How Much Does Your Business Need?
$100,000
$100,000
No hard credit pull · Takes 2 minutes
$10K–$250K
Credit line range
625+
Min. credit score
24–48 hrs
Time to funding
Draw anytime
Revolving access
How a Business Line of Credit Works
1
Apply in 2 minutes
Tell us your monthly revenue, time in business, and credit score range. No hard pull on your credit.
2
Get matched to an MCA lender
We find the advance that fits your daily sales volume and business profile from our vetted lender network.
3
Repay from daily sales
A fixed percentage of your daily card or bank deposits goes toward repayment , automatically. No invoice. No due date.
Who Qualifies for a Business Line of Credit?
Most established small businesses qualify. Here is what lenders typically look for:
In business for 1+ year
Monthly revenue of $15,000 or more ($180K+ annually)
Credit score of 625 or above
US-based business with an active business bank account
No open bankruptcies in the last 12 months
Who Qualifies for a Business Line of Credit?
Most established small businesses qualify. Here is what lenders typically look for:
Minimum Requirements at a Glance
Requirement
Minimum
Time in business
1 year minimum (2+ years for best rates)
Monthly revenue
$15,000/month or more
Credit score
625+ FICO (some lenders accept 580+)
Annual revenue
$180,000+ preferred
Collateral required
None for most lenders under $100K
Personal guarantee
Not required for lines under $150K (Kapitus)
Funding speed
As fast as 24–48 hours after approval
Credit line range
$10,000 – $250,000
Our matching tool launches soon
Think a line of credit might be right for you?
Check your eligibility in 2 minutes.No hard credit pull.
Check your eligibility in 2 minutes.
No hard credit pull.
Frequently Asked Questions
What is the difference between a line of credit and a business loan?
A business loan gives you a lump sum upfront that you repay on a fixed schedule. A line of credit gives you access to a pool of funds you can draw from and repay repeatedly like a credit card, but for your business. You only pay interest on what you actually use.
Is a business line of credit revolving
Yes. Once you repay what you have drawn, those funds become available again. This makes a line of credit ideal for managing cash flow gaps, seasonal inventory, or unexpected expenses.
Will applying affect my credit score?
No. Checking your eligibility through Capital Loan Specialist uses a soft credit pull the same type used when you check your own credit. It does not affect your credit score.
How quickly can I access funds?
Once approved, most lenders fund within 24–48 hours. Some same-day options are available for lines under $50K with strong revenue history.
Can I qualify with a 625 credit score?
Yes. Several lenders in our network accept credit scores from 625, and some go as low as 580 for businesses with strong revenue. Your credit score is just one factor; monthly revenue and time in business matter equally.
What can I use a business line of credit for?
Almost anything business-related: payroll, inventory, equipment, marketing, bridging seasonal gaps, or covering unexpected expenses. There are no restrictions on use of funds for most lenders.
Is a Line of Credit Right for You?
PROS
CONS
Further Reading
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Total Loan
Business Credit
$75k
Received
Matched with lenders including
