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Access the Funds You Need, When You Need Them

Lines of Credit

Gain access to flexible financing with a business line of credit that you can tap into as needed.

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Understanding

Lines of Credit

Ideally, your business will earn revenue all year long. If your business operates seasonally, it takes diversity and creativity to make that happen.

A line of credit helps support your business in the off-season when revenue is slowing down. Lines of credit give you access to working capital when you need it and as often as you want it. If you rely on one quarter to carry you through the other three, then a line of credit could be for you.

Once you’ve worked with a lender to determine your credit limit, you can borrow from your account to cover utilities, supplies, payroll, and any other needs. As you pay back into the account, you free up the balance to use in the future. Borrow again when expenses arise. You only pay interest on the balance you have in your business’s account. Take advantage of the flexibility a business line of credit offers by speaking with a broker today.

How to Effectively

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Step off of the seasonal revenue roller coaster and put your business on an even track with a secured or unsecured line of credit.

Lines of credit are a flexible way to handle your seasonal needs. Take advantage of the increased working capital when revenue is slow. You can also utilize a line of credit to bring in inventory and extra staff to cover the busy period. Lines of credit are handy in emergencies when you’re facing unexpected bills, increased materials costs, and other financial surprises. Because you only pay interest on the balance you have out, the cost of keeping a line open is minimal, especially if you keep a zero balance.

Funding Options

Secured Lines

A secured line of credit lets you leverage the equity in your business assets to generate additional working capital. Open a secured line based on the value of real estate, equipment, inventory, or more. Even if your business has a low credit score, getting a secured line of credit is easy.
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Unsecured Lines

An unsecured line of credit gives you access to extra cash without putting your company’s assets on the table. Qualified borrowers can use their business credit to open a line with less risk. To see if your business qualifies, talk to a broker today. We’ll help you choose a line that fits.
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No Recourse Lines

Secured lines of credit allow lenders to seize collateral assets in the event a business defaults on the loan. But when those assets aren’t enough, a lender can seek assets that weren’t in the original deal. With a no-recourse line of credit, lenders are restricted to your collateral assets in the event of a default.
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Still Have Questions?

We’ve Got The Answers

Q. When is a line of credit not a good fit?
Although there are some specialized lines of credit designed for real estate and other large purchases, other types of financing could be a better fit. If you’re looking to buy real estate for your business, try a hard money loan, CRE loan, or commercial mortgage instead.
Q. What is a non-revolving line of credit?
Most lines of credit let you take from your balance and pay back into it on a revolving basis. Non-revolving lines aren’t replenished when you make payments to the lender. Once the balance has been used, the line is closed.
Q. How do I find the best business line of credit?
Lines of credit can come from banks, private lenders, and the government. So, how do you know which one is best for your business? There’s no one-size-fits-all line of credit, which is why it’s important to speak with a broker who will guide you to the best fit for your business.
Q. How long does it take to get a business line of credit?
The time it takes to get a business line of credit depends on the lender. Banks and traditional lenders often have restrictions that require an extensive review of your financial information. Private lenders typically don’t have to meet the same requirements and can approve your loan in just a few days.

Line Of Credit

Advantages

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  • Flexible financing 
  • Borrow as often as needed 
  • Low credit scores still qualify 
  • Many types of lenders are available 

What We Do

Why Clients Choose Us?

Clients choose us for our commitment to delivering personalized financial solutions that align with their business goals. Our team’s dedication to transparency, speed, and exceptional service ensures a seamless experience from application to funding.

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