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Funding Program · Draw as needed

Business Line of Credit.

On-demand capital that grows with your business. A business line of credit provides continuous access to funds you can draw, repay, and reuse — paying interest only on what you access. It’s the ideal solution for managing cash flow, covering unexpected expenses, or taking advantage of opportunities as they arise.

4.9/5 TrustpilotOnly pay for what you use
Credit limit
$10K – $100K
Approval time
1 – 2 days
Term length
Revolving
Credit score
600+
Interest only on usage · No prepayment fees
Use Cases

Best For

  • Managing ongoing cash flow needs
  • Covering unexpected expenses
  • Taking advantage of bulk purchase discounts
  • Bridging gaps between payables and receivables
  • Having emergency capital on standby
Requirements

Who Qualifies

  • 12 months or more in business
  • $25,000+ in monthly revenue
  • 600+ credit score
  • Consistent cash-flow history

Need a one-time lump sum instead? Term Loans or Working Capital (MCA) may fit better — your specialist will recommend the right program.

Key Features

Capital that’s there when you need it.

Pay interest on usage only

Only pay for what you actually draw. The unused portion of your line costs nothing — it just sits there, ready when you need it.

Draw, repay, reuse anytime

A truly revolving line. Take what you need, pay it back, and the credit becomes available again — no reapplying, no waiting.

No prepayment penalties

Pay your balance down early — partially or in full — without any fees. Lower your interest cost on your own schedule.

Access funds in hours

Once your line is set up, draws hit your business bank account the same day on most approvals. Speed when you need it.

Funding in action

Lines that stay ready.

Recent line-of-credit draws across the industries we fund.

Drew
$25K
Restaurant

Bridged 60-day vendor terms during patio season

Drew
$80K
Construction

Covered material costs before customer payment cleared

Drew
$40K
Retail

Pre-bought holiday inventory at supplier discount

“We don’t always need capital — but when we do, it’s now. Having a $75K line we can tap on demand and only pay interest on what we use means we never get caught short, and we never overpay.”
Priya Naidu
The Olive & Lark · Restaurant

Compare funding programs side-by-side.

Working Capital / MCA
Funding amount
$5K – $500K
Approval time
Same-day – 24 hrs
Term length
3 – 18 mos
Credit score
550+
Collateral
Not required
Best for
Quick cash flow
Term Loans
Funding amount
$10K – $250K
Approval time
2 – 5 days
Term length
3 – 24 mos
Credit score
650+
Collateral
Optional
Best for
Major investments
You’re hereLine of Credit
Funding amount
$10K – $100K
Approval time
1 – 2 days
Term length
Revolving
Credit score
600+
Collateral
Not required
Best for
Ongoing flexibility
Equipment Financing
Funding amount
$5K – $500K
Approval time
1 – 3 days
Term length
Up to 5 yrs
Credit score
550+
Collateral
Equipment
Best for
Asset purchases
Invoice Financing
Funding amount
Up to 90%
Approval time
Same-day
Term length
30 – 90 days
Credit score
550+
Collateral
Invoices
Best for
Payment delays
SBA Loans
Funding amount
$50K – $500K
Approval time
30 – 90 days
Term length
Up to 25 yrs
Credit score
680+
Collateral
Often required
Best for
Long-term growth

From application to funding — simplified.

  1. Step 1

    See if you qualify

    Share a few business details — it takes less than a minute. No paperwork or hard credit pull; we'll start your funding review right away.

  2. Step 2

    Connect with a funding specialist

    A real human reviews your info and calls to understand your goals. If you qualify, you'll receive a simple one-page application to continue.

  3. Step 3

    Finalize your application

    Complete the one-page form so underwriting can review and prepare your approval. Your specialist keeps the process fast, clear, and completely transparent.

  4. Step 4

    Sign & fund fast

    Review and e-sign final paperwork — most approvals fund within hours. Funds land directly in your business account.

A small business owner using LendPeak from her laptop, with a 5-star testimonial card overlay
Ready to grow?

Get matched with a funding specialist today.

Pre-qualify in 60 seconds — soft credit pull, no documents, no obligation.