Line of Credit

A business line of credit allows you the flexibility to draw funds when needed and only pay for what you use.

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Financing Amount


Interest Rate

48 Hours

Fastest Funding

1st Capital Financial Is Your Best Source for a Line of Credit

Our financing experts, underwriting, and closing teams ensure your application is processed efficiently with a higher likelihood of approval.

Easy Application Process

It takes just four minutes and some basic information to get started, and we’ll guide you through every step of your application from there.

Fast Turnaround on Funds

Get an approval decision in as little as 24 hours and have your funds deposited within 24 to 48 hours after you accept your financing offer.

Industry-Leading Support

We'll help you determine your fit for a Line of Credit with complete transparency and work with you to secure the best rate and terms.​
Overview of Business Lines of Credit

What Is a Business Line of Credit?

A business line of credit gives you access to a certain amount of money, which can be borrowed, repaid, and borrowed again (i.e., revolving credit).

At A Glance

Draw Funds Whenever They Are Needed
Only Pay for What You Use
Replenish As You Make Payments

A business line of credit is a highly flexible funding mechanism you can use regularly to float expenses.

Use Cases

Pay for Operational Expenses
Examples include inventory, marketing, payroll, and rent.
Purchase New Equipment or Upgrades
Jump Start Growth Initiatives
Cover Cash Flow Gaps and More
Use Cases for Business Lines of Credit

How Can a Business Line of Credit Be Used?

Requirements for Business Lines of Credit

Is a Business Line of Credit Right for You?

Lenders’ financing requirements will vary, but the following are the minimum criteria.

Minimum Criteria

Own a For-Profit Business in the U.S.
Must be a Corporation, LLC, Partnership, or Sole Proprietorship
At Least $50,000 in Annual Revenue
Operating for at Least Six Months
Minimum Credit Score of 600

How to Apply for a Business Line of Credit

Our Financing Application Process

Start Your Financing Application

(Time to Complete = Four Minutes)
Provide some basic details about you and your business using our Small Business Financing Form.
(Time to Complete = 15 Minutes)
We’ll contact you to discuss the documentation needed to complete your application and answer any questions you may have.
(Time To Complete = As Little as 24 Hours)
We’ll begin processing your application as soon as we’ve received all the necessary documentation and keep you updated every step of the way.
(Time to Complete = As Little as 24 Hours)
We’ll provide you with your final business line of credit offer(s) to review. Once accepted, you will receive your funds in as little as 24 hours.

We What
We Do


Small Businesses Served

10 Billion+

Financing and Tax Refunds

30 Years+

Industry Experience


Client Retention

FAQs About Business Lines of Credit

Questions? We Have Answers.

A business line of credit allows you to borrow up to a specific limit and only pay interest on the money you borrow — similar to a credit card. When you repay the money you borrow, your credit line is replenished. Business lines of credit can be used for a variety of short-term needs, including paying for operational expenses, purchasing new equipment or upgrades, jump-starting growth initiatives, and covering cash flow gaps.

Any business that has regular, short-term expenses they need to or would like to float in order to smooth cash flow gaps would be fit for a line of credit.

A business line of credit is intended for large draws that may be paid back over several months. While you will pay interest on the entire draw amount, the cost may be lower than a business credit card. In contrast, a credit card is designed for day-to-day expenditures and typically requires a minimum monthly payment while your balance revolves. A business credit card often has other fees attached as well.

Can’t find the information you’re looking for? Give us a call at +1 (833) 317-8227.
There is no impact on credit to start your financing application online with 1st Capital Financial.

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