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BUSINESS LINES OF CREDIT — 8 SOURCES

Business Lines of Credit

Revolving credit lines that replenish as you repay. Draw what you need, when you need it. Only pay interest on what you use. 560+ FICO accepted. Decisions in minutes. Same-day funding available on select programs.

8
LOC Sources
560+
Lowest FICO
$150K
Up To
Minutes
Fastest Decision
8
LOC Sources
560+
Lowest FICO Accepted
$2K–$250K
Credit Line Range
Minutes
Fastest Decision
Same-Day
Funding Available

Business Line of Credit — Credit Profiles

A line of credit works like a business credit card — revolving access to capital you draw as needed. Unlike an MCA, you only pay for what you use and lines rebuild as you repay.

A PAPER

Strong Credit LOC · 625+ FICO

Best rates, highest limits, longest terms. Established businesses with 12+ months history.

A Paper
Bluevine
Celtic Bank-issued · 625+ FICO
Min FICO
625+
Min Revenue
$120K/yr
Max Line
$250,000
Terms
26 or 52 weeks
Fast LOC leader. Issued through Celtic Bank. Instant draw to Bluevine checking. $15 wire fee for same-day to external bank. Not available in NV, ND, or SD.
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A Paper
American Express Business Line
660+ FICO · AmEx customers
Min FICO
660+
Min Revenue
$36K/yr
Max Line
$250,000
Terms
6–24 months
Pre-approval available for existing AmEx cardholders. Flexible 6/12/18/24-month installment options. Single repayment option available.
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A Paper
Kapitus LOC
650+ FICO · Established credit
Min FICO
650+
Min Revenue
$180K/yr
Max Line
$150,000
Terms
Revolving
Established business credit required. Strong A paper LOC. Good for businesses that also need MCA or equipment financing — one relationship.
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A Paper
OnDeck LOC
625+ FICO · Instant funding
Min FICO
625+
Min Revenue
$100K/yr
Max Line
$100,000
Funding
Instant on draw
Revolving LOC with instant funding on draws — 24/7 including nights and weekends. Builds business credit with on-time payments.
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B PAPER

Fair Credit LOC · 560–624 FICO

Lower revenue requirements, faster decisions, more lenient credit standards.

B Paper
Fundbox
600+ FICO · Startup friendly
Min FICO
600+
Min Revenue
$30K/yr
Min Time
3 months
Max Line
$150,000
Lowest revenue requirement in the category. 3 months in business — best for newer companies. Decision in minutes via bank account connection.
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B PaperC Paper
Headway Capital — Enova
560+ FICO · No hard pull
Min FICO
560+
Min Revenue
$50K/yr
Max Line
$100,000
Draw Fee
2% per draw
Lowest FICO in this category at 560. Soft pull only in most cases. No personal guarantee under $50K. Monthly or weekly repayment. Reports to commercial bureaus — builds business credit.
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💳

LOC vs MCA — We'll Tell You Which One Fits Your Business

A line of credit is cheaper than an MCA but harder to get. We'll tell you honestly which product makes sense for your situation, your credit profile, and your cash flow needs — and then we'll match you to the right lender for that product.

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One call connects you to 250+ lender sources. We match your profile to the right program — no runaround.

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