Begin the application

Line of credit

Business Line of Credit

Flexible financing, there when you need it.

Funding amount
Up to $1M
Term
6 months to 3 years
Cost
Starting at 4.5%
Funding speed
Within 1–2 days

Begin the application

A baker holding up her Open sign beside the day's bread.

Line of credit

What it is, and how it repays

A line of credit gives you access to a fixed amount of capital that you draw on only when you need it. Think of it as a financial safety net: it sits there costing nothing until the day it earns its keep.

When you do draw on it, you can use it for almost any business need, and you pay for what you use rather than for the whole facility.

Where it opens up

3-5 years

Usually within reach from about three years in

By now your numbers show your seasons and your direction, so a lender can plan around both. This is usually where a standing line of credit becomes realistic.

Before you apply: Know which months run slow. A line sized to them costs less than borrowing in a hurry.

The whole trail →

A garden centre owner standing among her raised beds.

What it gives you

Why owners choose it

  • Flexible financing
  • No obligation to use it
  • Works for almost any business need
  • Pay for what you use

The application

Begin your application

About two minutes: how much, how to reach you, and how long you have been trading. Free to send, and nothing is agreed until you accept an offer.

The application is the way in, and it takes about two minutes.

The six

All six programmes, this one marked

Revenue-Based Funding

Quick and efficient access to capital.

Funding amount
$5K – $500K
Funding speed
24–48 hours

Working Capital

Funding your day-to-day operations.

Funding amount
Up to $1M
Cost
Starting at 4.5%

Equipment Financing

Equipment for virtually any industry.

Loan amount
Up to $250K
Cost
As low as 8%

Term Loan

The classic way to fund a bigger move.

Loan amount
$20K – $1M
Interest rate
As low as 6%