Lines of Credit
Lines of Credit Built for Business
Access $250K to $15M in revolving credit with no personal guarantees and covenant-light terms. Draw funds when you need them, repay at your pace, and keep your business moving.
$250K - $15M
Credit Line Range
Up to 85%
A/R Advance Rate
Up to 65%
Inventory Advance Rate
6 months
Minimum Time in Business
Not required
Personal Guarantee
Within 48 hours
Funding Speed
The Difference
Why Our Lines of Credit Are Different.
We designed our credit products to work the way businesses actually operate.
Covenant Light
Minimal financial covenants mean less red tape and more flexibility for your business. We trust your judgment. You know your business better than anyone.
No Personal Guarantees
Your personal assets stay separate. Our lines of credit are secured by your business assets, receivables and inventory, not your home or savings.
Flexible Draw Structure
Draw what you need, when you need it. Funds become available again as you repay, giving you a reliable capital source you can count on.
Dedicated Account Manager
You get a single point of contact who knows your business inside and out. No call centers, no repeating yourself. Just direct access to someone who can help.
Industries We Serve
Industries That Benefit Most
A revolving line of credit is especially valuable in industries where cash flow timing does not match up with operational expenses. Here are some of the businesses we work with most frequently.
Manufacturing
Manufacturers regularly need to purchase raw materials well before finished goods are shipped and invoiced. A line of credit keeps production funded through the full cycle, from purchase order to final payment.
Staffing Agencies
Payroll obligations hit every week or two, but client invoices often sit at net-60 or longer. Staffing companies use lines of credit to bridge that timing gap and take on new placements without cash flow constraints.
Wholesale Distribution
Distributors need to buy in bulk to get the best pricing from suppliers, but selling through that inventory takes time. Revolving credit gives you the purchasing power to stock up without draining your operating account.
Healthcare Providers
Between insurance reimbursement delays and patient billing cycles, healthcare practices often wait 60 to 120 days to collect on services already rendered. A credit line covers overhead and growth costs in the meantime.
Government Contractors
Government contracts can be large and reliable, but payment timelines are notoriously slow. A credit facility backed by your receivables lets you fund project costs while you wait for agency payments to come through.
Transportation and Logistics
Fuel costs, driver payroll, and equipment maintenance do not wait for your customers to pay their freight invoices. A revolving line of credit keeps your fleet operating and your dispatchers booking loads.
$250K - $15M
Credit Line Range
Up to 85%
A/R Advance Rate
Up to 65%
Inventory Advance Rate
6 months
Minimum Time in Business
Not required
Personal Guarantee
Within 48 hours
Funding Speed
Getting Started
Getting Started Is Simple.
Four steps from initial conversation to drawing funds.
Initial Consultation
We sit down, over the phone or in person, to understand your business model and how a line of credit fits into your growth plan.
Terms Discussion
We present a transparent term sheet with everything spelled out. No hidden fees, no fine print. You see exactly what you're getting before you commit.
Due Diligence
Our team runs a streamlined review. We use a data-driven approach so we can move fast. Most lines are set up within two weeks of your initial conversation.
Start Drawing Funds
Once your credit line is in place, you can start drawing funds within 48 hours of selecting invoices. Your account manager handles the rest.
Know Your Options
Understanding Your Line of Credit
How Revolving Credit Works
A business line of credit works differently from a traditional loan, and understanding those differences matters. With a term loan, you receive a lump sum and begin paying interest on the full amount immediately. With a revolving line of credit, you only pay interest on the funds you actually draw.
If your credit facility is $2M and you draw $400K this month, you are paying interest on $400K. As you repay, that credit becomes available again. This structure is particularly powerful for businesses with fluctuating capital needs because you are not locked into a fixed repayment on money you may not need at the moment.
Asset-Based Growth
Our lines of credit are asset-based, which means your borrowing capacity is tied to the value of your receivables and inventory. As your business grows and those assets increase, your available credit grows with it.
We conduct regular borrowing base adjustments, typically monthly, to make sure your facility reflects your current business activity. This is one of the key reasons asset-based lending works well for growing companies. Your access to capital scales alongside your revenue rather than staying fixed at whatever amount you originally qualified for.
Covenant-Light Structure
One thing that sets our credit facilities apart is the covenant-light structure. Many traditional lenders impose strict financial covenants that can trigger default even when your business is performing well.
We keep covenants minimal because we believe the performance of your underlying assets, your receivables and inventory, tells a more accurate story than arbitrary financial ratios. This gives you room to run your business without worrying about tripping a technical violation every quarter.
FAQ
Line of Credit Questions
Answers to the most common questions about our revolving credit facilities.
Our credit lines range from $250K to $15M. The amount you qualify for depends on the value of your eligible receivables and inventory. We advance up to 85% on receivables and up to 65% on inventory, so your available credit is directly tied to your business assets.
No. Our lines of credit are secured by your business assets, specifically your accounts receivable and inventory. We do not require personal guarantees, which means your personal assets stay protected. This is one of the most important distinctions between our credit facilities and what most traditional banks offer.
Covenant light means we impose minimal financial covenants on your credit facility. Traditional lenders often require you to maintain specific financial ratios, and falling below those thresholds can trigger a default even if your business is otherwise healthy. Our approach focuses on the performance of your collateral rather than rigid ratio requirements, giving you more operational flexibility.
Once your credit facility is established, you can draw funds within 48 hours of selecting eligible invoices. Your dedicated account manager handles the process, so there is minimal paperwork each time you need to access capital. The initial setup typically takes one to two weeks from first conversation to funded facility.
Yes, and this is one of the biggest advantages of asset-based lending. Because your borrowing capacity is tied to your receivables and inventory, your available credit naturally increases as those assets grow. We perform regular borrowing base adjustments to make sure your facility reflects your current business volume.
You only pay interest on the amount you actually draw, not your total credit line. If you have a $5M facility and draw $1M, you pay interest on $1M. The remaining $4M sits available for when you need it, at no additional cost. This makes a line of credit far more cost-effective than a term loan for businesses with variable capital needs.
Get Access to
Capital Today
Apply for a line of credit and get a decision fast. Our team is ready to set up a credit facility that works for your business.
Start Your Application