Get a Business Line of Credit You Can Draw From Anytime
Draw money as you need it and pay interest only on what you use, for uneven cash flow, inventory, and growth.
See What You Qualify For A few quick questions (no credit pull), then book a free 15-minute callAt a Glance
- Typical amounts
- $30K–$200K+ across a full funding plan.
- Credit needed
- 700+ on all three bureaus gets the strongest results
- Time to fund
- As fast as 3–7 days if your profile is approval-ready. 30–90 days if it needs prep first.
- How you pay
- Draw what you need. Pay interest only on what you use
- Our fee
- A percentage of the funding we help you secure. No upfront fee.
Every lender sets its own criteria. Amounts depend on your credit, income, and existing debt and are not guaranteed.
Estimate your payment →Who It Fits
- 700+ credit score
- No late payments, collections, or charge-offs
- 5+ accounts on your credit report
- Business revenue and consistent bank deposits
- Time in business. Many lenders prefer at least a year or two
Who a Business Line of Credit Fits
Lines of credit work best for businesses that are already operating and have ongoing, uneven needs instead of a single big purchase.
- You have revenue coming in and want a cushion for slow months or slow-paying customers
- You buy inventory or materials ahead of getting paid
- You want capital ready for opportunities without taking a lump-sum loan
- You have good personal credit, and ideally some time in business
How a Business Line of Credit Works
A lender approves you for a maximum limit. You draw what you need, when you need it, and pay interest only on the outstanding balance. As you pay it down, that credit becomes available again. Some lines are revolving with no set end, and others need to be renewed every year or two.
Underwriting depends on the type of lender. Banks often want a couple of years in business, steady revenue, and sometimes collateral. Online lenders can be faster and more flexible on time in business, usually with higher rates. Some lines are unsecured, and some are secured by business assets or a personal guarantee.
Types of Business Lines of Credit
Here are the main types we compare, and who each one fits.
What Lenders Usually Look For
Requirements vary by lender, but our strongest line-of-credit results come from business owners with:
- A 700+ personal credit score
- No late payments, collections, or charge-offs
- At least 5 accounts on your personal credit report
- Consistent business revenue and bank deposits
- Time in business, since many lenders prefer at least a year or two
How We Help You Get a Line of Credit
Answer a few questions
Tell us about your business and your credit. No credit pull.
Strategy call
A free 15-minute call to see which types of lines you're likely to qualify for.
Lender plan
We pick lenders that fit your revenue and credit, and plan the order if you're applying for other funding too.
Apply and get approved
We guide each application and help you understand the terms before you sign.
Recent Client Fundings
Results disclaimer: Results shown are real client outcomes, but they are not typical for everyone and are not guaranteed. What you can get approved for depends on your credit profile, income, existing debt, and each lender's own underwriting. Fully Funded is a consulting service, not a lender, and does not make credit decisions.
Business Line of Credit Questions
Can I get a business line of credit as a startup?
It's harder, since many lenders want revenue and time in business. Startups usually do better starting with 0% business cards or personal loans, then adding a line once revenue is established.
What's the difference between a line of credit and a loan?
A loan gives you a lump sum up front with fixed payments. A line of credit gives you a limit you draw from as needed, paying interest only on what you use.
Do you work with businesses nationwide?
Yes. We work with clients nationwide.
Will a business line of credit affect my personal credit?
The application often includes a personal credit check, and many lines need a personal guarantee. The business lines we work with don't report the balance to your personal credit.
How do you get paid?
Our fee is a percentage of the funding we help you secure. There's no upfront fee, and we walk through the exact terms on the call before you commit to anything.
Will checking my options hurt my credit?
No. The pre-qualify questions are self-reported, so there's no credit pull to see your options.
Explore Other Funding Options
Find the Right Line of Credit
Answer a few quick questions, then book a free call.
Get Funded A few quick questions, then book your call