Lines of credit.
Capital that's there when you need it, costs nothing when you don't. For inventory cycles, payroll smoothing, or holding cash flexibility through a growth phase.
Use a line of credit when timing is the issue, not size.
- Smoothing cash flow through a seasonal cycle or a slow-paying customer base.
- Funding inventory ahead of a known revenue event — a holiday window, a contract start, a launch.
- Holding flexibility through a growth or transition phase without committing to a fixed term.
How the line works.
What you need before you apply.
- Two or more years operating the business under current ownership.
- $500,000 or more in annual revenue, documented in tax filings.
- A personal credit score of 650 or higher for primary owners.
- A working-capital cycle that justifies the line size you're requesting.
No fees on the part you don't use.
A line of credit costs nothing when it sits unused — but most lenders charge maintenance fees, draw fees, or unused-line fees that grind down the value of having it at all. We don't. Interest accrues only on what you draw, and the line renews annually if your file stays where it was.
We size lines to your working-capital cycle, not to a multiple of revenue. A logistics company holding $400K in fuel and inventory at any given time doesn't need a $50K line — and a SaaS business with a six-week receivables cycle doesn't need $1M.
The right size is the size that lets you stop thinking about cash flow.
Have a line ready before you need it.
Fifteen minutes to apply. Forty-eight hours to a real answer. No cost to find out.