Business Lines of Credit
Flexible revolving credit from $10,000 to $5,000,000. Pay interest only on what you use. Fast approvals for qualified businesses nationwide.
$10K to $5M
Credit lines for businesses of all sizes
24-48 Hours
Fast approval for qualified borrowers
Revolving Access
Draw, repay, and draw again as needed
What is a Business Line of Credit?
A business line of credit functions like a credit card for your business, providing flexible access to capital you can draw from whenever needed. Unlike a traditional term loan where you receive a lump sum and immediately start paying interest on the entire amount, a line of credit allows you to:
- Draw only what you need, when you need it
- Pay interest only on your outstanding balance
- Reuse your credit as you repay it
- Access funds quickly for opportunities or emergencies
Best Uses for Business Credit Lines
Cash Flow Management
Bridge gaps between accounts receivable and accounts payable. Cover payroll during slow periods or seasonal fluctuations in revenue.
Inventory & Supplies
Purchase inventory before peak seasons, take advantage of bulk discounts, or stock up when suppliers offer favorable terms.
Emergency Expenses
Handle unexpected equipment repairs, facility maintenance, or other urgent business expenses without disrupting operations.
Growth Opportunities
Capitalize on time-sensitive opportunities like marketing campaigns, new contracts, or expanding into new markets.
Qualification Requirements
Typical Requirements:
- Time in Business: 6-12 months minimum
- Annual Revenue: $50K-$100K minimum
- Credit Score: 600+ (700+ for best rates)
- Profitability: Positive cash flow preferred
What You'll Need:
- Business and personal tax returns
- Business bank statements (3-6 months)
- Profit & loss statements
- Business plan or purpose of funds
Get Your Business Line of Credit Today
Tesni Financial connects you with top lenders offering competitive business credit lines. Apply online or call us for a free consultation.