Business Line of Credit up to $250,000
Stop guessing how much you'll need. A revolving line of credit up to $250,000 means you draw exactly what you need, exactly when you need it — and only pay for what you actually use. Your financial safety net, always on standby.
The financial safety net every small business needs.
A business line of credit is a revolving credit facility — think of it as a pool of money you can draw from whenever you need it, repay when you're ready, and draw again. Unlike a term loan, you're not borrowing a fixed sum on day one. You get approved for a credit limit (up to $250,000), and you draw only what you need, only when you need it.
The key advantage: you pay fees or interest only on the amount you've drawn, not the full limit. Your unused credit sits ready at no cost, available the moment a need arises — a slow week, a surprise expense, a time-sensitive opportunity.
Lines of credit are ideal for businesses with variable or seasonal cash flow — restaurants navigating slow months, contractors waiting on invoice payments, retailers managing between delivery cycles, agencies bridging a gap between client payments. It's perpetual financial flexibility without the overhead of a loan you might not need yet.
$250K
Maximum credit limit
Up to $250,000 in revolving credit available when you need it.
Draw only
Pay for what you use
Fees apply only to your outstanding drawn balance — not the full limit.
Revolving
Replenishes as you repay
Pay back what you drew and your available credit is restored automatically.
Fast
Set up in 24–48 hrs
Approved and funded fast. Draw requests typically settled in 24 hours.
How a business line of credit works
Apply once, access capital whenever you need it. Here's the entire flow.
Apply in minutes
Tell us about your business — revenue, time in business, and how much credit you're looking for. Our 5-minute application uses a soft pull only. No impact to your credit score.
Get your credit limit
Your specialist reviews your profile and brings back your approved credit limit — up to $250,000. See your exact terms before you sign anything. No obligation to proceed.
Draw whenever you need it
Your line is set up and ready. Draw any amount up to your limit — funds typically reach your business account within 24 hours of a draw request. Use it for whatever your business needs.
Repay and draw again
Repay what you've drawn and your credit replenishes automatically. No reapplying, no new approvals — your credit line is always there, ready for the next time you need it.
Business line of credit: ABC Funding vs. a bank
The flexibility you need, at the speed your business actually moves.
Terms are representative estimates and vary by business profile. No obligation to accept any offer.
When should you draw on your line of credit?
Your line is available for any business need. These are the situations where it makes the most impact.
Bridge a Slow Season
Don't let January kill what November built. Draw what you need to keep operations running smoothly through your slow months, then repay when the busy season returns.
Cover Payroll Between Invoices
Net-30 clients and Friday payroll don't always line up. Draw from your line to cover wages on time, then repay the moment the invoice clears. Your team never knows the difference.
Grab a Time-Sensitive Opportunity
A bulk deal from a supplier. A last-minute contract that needs a security deposit. The ability to say yes fast is a competitive edge — your line makes it possible.
Unexpected Emergency Expenses
A burst pipe. A vehicle breakdown. A key vendor failure the day before a big job. Emergencies don't wait for your budget cycle. Your line of credit doesn't either.
Short-Term Inventory Buys
Spot a supplier discount. Need to restock faster than your A/R clears. Draw for the inventory buy, sell through the product, and repay. Perfect for retail and distribution businesses.
Marketing Push or Campaign
Run a focused campaign at the right moment — not whenever you've built up enough in savings. Draw, run the campaign, generate the leads, and repay from the revenue the marketing generates.
Who qualifies for a business line of credit?
Approval is based on your business's cash flow and operating history — not just a credit score. Here's what we look for:
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6+ months in business
We need to see a pattern of revenue to establish your credit limit. Six months of history is the minimum.
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$10,000+ average monthly revenue
Your revenue directly informs your credit limit. Consistent, higher monthly revenue means a higher available limit.
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Active business bank account
We verify cash flow through your bank statements and deposit draws to your business checking account.
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US-based business
We fund businesses operating in all 50 states. Your company must be registered and operating in the United States.
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No open bankruptcies
Discharged bankruptcies are considered case-by-case. Open, active bankruptcies are not currently eligible.
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All credit levels considered
Cash flow is the key factor. Businesses with imperfect credit qualify through our network every day — banks aren't our benchmark.
Find out your credit limit in 5 minutes
Our application is free, fast, and uses only a soft credit pull. You'll know your available credit limit and terms before committing to anything — no obligation, no guesswork.
Check my credit limitTakes 5 minutes · Won't affect your credit score
Why a line of credit beats keeping a cash reserve
Your cash earns more than it costs
A cash reserve sitting in a business account earns next to nothing. A line of credit lets you deploy that cash into your business — inventory, marketing, people — while the credit line backstops any unexpected gaps.
Pay only when you need it
Unlike a term loan, you're not paying for money you haven't used. Your credit line is available at zero cost until you draw. No monthly maintenance on unused balances. Just options, on standby.
Approved on your business, not a score
ABC Funding's private lender network looks at your actual cash flow to set your limit. This means higher limits than you might expect, faster approvals, and access to credit even when the bank says you don't qualify.
Business Line of Credit FAQs
What's the difference between a line of credit and a business loan?
A business loan gives you a fixed lump sum upfront that you repay on a fixed schedule — regardless of whether you've used all the money. A business line of credit is revolving: you draw what you need when you need it, pay fees only on what you've drawn, and your available credit replenishes as you repay. Use a loan for a specific, known amount; use a line of credit for flexible, ongoing cash needs.
How do I draw from my line of credit?
After your line of credit is established, drawing funds is straightforward — your specialist walks you through the specific process for your arrangement. Funds from a draw request are typically available in your business bank account within 24 hours.
Do I pay interest on the full credit limit?
No. You only pay fees or interest on the amount you've actually drawn — not the full credit limit. If your limit is $100,000 and you draw $25,000, your costs are based on the $25,000 outstanding balance. The remaining $75,000 is available at no cost until you need it.
How quickly can I access funds after approval?
Your line of credit is typically set up within 24–48 hours of approval and agreement signing. Once established, draw requests are fast — funds are generally available in your business account within 24 hours of submitting a draw.
Can I increase my credit limit over time?
In many cases, yes. As your business grows and you build a positive repayment history, you may be eligible to request a credit limit increase. Your funding specialist can walk you through the review process when you're ready to explore a higher limit.
Your financial safety net is one application away.
A revolving line of credit up to $250,000 — draw what you need, pay only for what you use. Apply free in about 60 seconds, no impact to your credit.
No obligation · No cost · Won't affect your credit score
Estimate your funding in seconds
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