Draw when the season calls for it. Built for established businesses doing $60K or more a month whose credit isn't perfect.
Check my lineDraw when you need it
A business line of credit through our partner, Merchant Fund Express gives you a limit to draw against during busy stretches. Terms are in your offer before you accept.
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.
A 5-minute application and about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. It starts with a soft pull, and revenue carries real weight.
Your offer shows what you'll repay on what you draw before you accept. No surprise costs after you sign.
The repayment schedule is spelled out in your offer up front, so peak and slow months are easier to plan.
A lump sum works when you know the exact cost of one project. Seasonal businesses usually do not have one project. They have a string of needs: inventory in one month, extra crew the next, a repair in the middle of the rush. A line of credit gives you a limit. You draw what you need, repay it, and that room typically becomes available again.
Funding is provided through our partner Merchant Fund Express.
Generally, cost is tied to what you actually draw rather than the full limit, but terms vary by agreement. Read yours before your first draw. More basics on our business line of credit page.
For illustration only, not our terms. A landscaping company with commercial maintenance contracts:
| Season | What happens |
|---|---|
| Late winter | Draw to buy mulch, seed and fuel ahead of spring |
| Spring and summer | Contracts pay, draws get repaid |
| Fall | Smaller draw for leaf season crew and a mower repair |
| Winter | Little or no balance, line sits ready |
Built for established businesses doing $60K or more a month on average, including owners whose credit is not perfect. A funder looks at about three months of business bank statements, how steady deposits are across the period, average balances and existing obligations. FICO 500+ is considered. No tax returns required. Sole proprietors can apply. If you want specifics on scores, see credit score for a business line of credit.
If you need one big chunk for one purpose, seasonal revenue-based financing or working capital may be simpler. If needs come in waves, a line usually fits better. Still deciding? Read working capital vs line of credit, then apply in about 5 minutes with a soft credit pull. One application lets you see which option fits.
Before you need it. Apply ahead of your busy season so the line is in place when inventory and staffing costs hit.
Generally cost is tied to what you draw, not the unused limit, but terms vary. Confirm in your agreement.
Funding options range from $25,000 to $5,000,000, and your limit depends mainly on deposits and existing obligations.
FICO 500+ is considered. Deposits, balances and obligations carry a lot of weight in the review.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Sole proprietors can apply. The review looks at business bank statements, deposit patterns and existing obligations the same way it does for any other business structure.
Example uses for illustration only.
A seasonal line reviews cleaner when you do this.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding