Draw what you need, repay it, draw again. A cushion for established businesses doing $60K+ a month whose bank said no.
Check my lineBusiness Line of Credit
A line of credit gives you a limit to draw from as needed. It is offered through our partner, Merchant Fund Express, with your revenue weighed alongside credit.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Qualified businesses can be funded in as little as 24 hours after a 5-minute application and about 3 months of statements.
FICO 500+ is considered. It starts with a soft pull, and steady deposits carry weight.
Your offer spells out what repayment looks like on what you draw before you accept. No surprise costs later.
The repayment schedule is laid out in your offer up front, so a draw never comes with a mystery bill.
You get a credit limit. You draw what you need, when you need it. You repay what you used, and that room opens back up. You are not paying for money sitting in your account that you never touched.
That is the main difference from a lump-sum product like working capital.
Most cash crunches are not one big event. They are a dozen small ones across the year: a supplier wants payment early, a customer pays late, a truck needs tires, a big order comes in before the deposit clears.
A line of credit handles that kind of year. You do not have to apply every time something comes up.
| If you need | Look at |
|---|---|
| Flexible access over time | Business line of credit |
| One lump sum for operating costs | Working capital |
| Money tied to future card sales | Merchant cash advance |
| A specific machine or vehicle | Equipment financing |
For illustration: a wholesale distributor doing $140,000 a month gets a line of credit. In March they draw a portion to cover an early supplier payment, repay it in April when customers pay, then draw again in July for a seasonal stock-up. One application covered both needs. These figures are only an example; your actual limit and terms come with your offer.
Bank lines usually want top-tier credit, years of tax returns and collateral. Through our partner Merchant Fund Express, the review leans on your deposits. FICO 500 and up is considered, no tax returns are required, and the process starts with a soft credit pull.
Credit repair is a separate service at Lucky Credit Pros. You can apply for a line now based on revenue, whether or not you are working on your credit.
Have about three months of business bank statements ready. The application takes about five minutes. Limits fall within the $25,000 to $5,000,000 range, and qualified businesses can be funded in as little as 24 hours. Sole proprietors can apply. Start your application.
A line of credit is designed so you repay what you draw. Your offer will explain exactly how costs apply to your line.
Yes. That is the point of a line. As you repay what you used, that room becomes available again under the terms of your agreement.
Every file is reviewed on its own. The review looks at revenue and deposit history, and FICO 500 and up is considered.
About three months of business bank statements and a 5-minute application. No tax returns.
Example uses for illustration only.
A line is easier to size when your deposits tell a clear story.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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