Lines of Credit

Revolving and non-revolving credit facilities for operational needs, seasonal businesses, contract funding, and growth capital. Bank and non-bank structures available.

A line of credit gives you capital on standby instead of a lump sum you have to deploy all at once — useful for seasonal swings, payroll gaps, or opportunistic buys. We match your borrowing pattern to a facility structured for it, bank or non-bank.

Frequently Asked Questions

What's the difference between a line of credit and a term loan?

A line of credit is revolving — you draw what you need, pay it down, and draw again, only paying interest on what's outstanding. A term loan is a lump sum with fixed payments over a set period.

What collateral is required for a business line of credit?

It varies by lender and size. Bank lines often require a blanket lien on business assets or accounts receivable; some non-bank facilities are unsecured or backed by specific collateral like inventory or equipment.

Can a seasonal business qualify for a line of credit?

Yes — seasonal cash flow is one of the most common reasons businesses use a line of credit, and we specifically look for lenders comfortable underwriting around seasonality.

How quickly can a line of credit be put in place?

Non-bank facilities can often be in place within a week. Bank lines of credit generally take 2-4 weeks given underwriting and documentation requirements.