Find the best business loan rates (2021)

Business lines of credit

Jump-start your business with flexible funding

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Find top business line of credit rates and options.

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No restrictions

Tap into your line of credit whenever you need to and fund just about any business expense.

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Funds replenish

As you repay borrowed funds, your credit line is restored up to the original amount.

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Zero interest until used

Interest accrues only on the funds you use.

Put a business line of credit to work for you

When a business expense or opportunity hits without warning, a business line of credit ensures you’ll always have cash on hand. 

Once you’re approved for a credit line, you can withdraw funds at any time. As you pay down the amount, your credit line is replenished.

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  • Coins stacked on table with blue arrow pointing up
    Financing amount Up to $250,000
  • Calendar image appearing as though the page is being flipped
    Repayment terms 6 months - 2 years
  • Speedometer icon
    Interest rate Starting at 8%
  • Hand holding dollar sign
    Funding available in 1 day

Business lines of credit made easy

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Save time

A 2-minute online application is all it takes to get approved for a business line of credit. Learn More
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Find the right offer

Compare rates and terms from our nationwide network of lenders. Learn More
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Choose your financing

Pick the offer that works for you. Our expert advisors will help you every step of the way. Learn More

Business line of credit requirements

Business line of credit requirements vary by lender but include your time in business, annual revenue and personal credit score.

The more established your business and the stronger your credit, the easier it is to qualify for a business line of credit.

What you’ll need to qualify:

  • 1+ year in business
  • $200K+ annual revenue
  • 560+ credit score

Best business line of credit uses

A business line of credit is the “there when you need it” financial solution. It can be used for any reason, as long as it’s for business. 

Boost working capital

Waiting on an invoice payment or weathering a business slump? A business line of credit is an ideal financing option to keep things running smoothly. 

Fund emergency expenses

If you’re like many small business owners, you don’t have deep cash reserves to draw from when faced with unexpected expenses. A business line of credit can help you get through financial hurdles you didn’t anticipate.

Invest in a growth opportunity

You can easily miss out on an opportunity to take on new business due to lack of capital. A business line of credit can give you the quick financial boost you need to grow.

Purchase equipment 

If a vital piece of equipment breaks down, you can use your line of credit right away to buy a replacement and avoid business slowdowns.

Buy inventory and supplies

A business line of credit can help cover inventory expenses during a slow season or help you stock up on everyday supplies.


  • Document icon
    Accounts Receivable Financing – Apply
    Advance amount: Up to 80% of receivable value
    Repayment terms: Until the customer pays the invoice
    Factor rate: Starting at 1.02
    Funding available: Same day
    Advance amount: Up to 80% of receivable value
    Repayment terms: Until the customer pays the invoice
    Factor rate: Starting at 1.02
    Funding available: Same day
  • Calendar icon
    Business Term Loans – Apply
    Financing amount: Up to $250,000
    Repayment terms: 1 - 5 years
    Interest rate: Starting at 7%
    Speed of funding: 1 day
    Financing amount: Up to $250,000
    Repayment terms: 1 - 5 years
    Interest rate: Starting at 7%
    Speed of funding: 1 day
  • Bank icon
    Commercial Loans – Apply
    Financing amount: Up to $5 million
    Loan term: 3 months - 25 years
    Interest rate: Starting at 7%
    Speed of funding: Same day
    Financing amount: Up to $5 million
    Loan term: 3 months - 25 years
    Interest rate: Starting at 7%
    Speed of funding: Same day
  • Wrench icon
    Equipment Financing – Apply
    Financing amount: Up to 100% of equipment value
    Repayment terms: 1 year - 5 years
    Interest rate: Starting at 8%
    Speed of funding: 2 days
    Financing amount: Up to 100% of equipment value
    Repayment terms: 1 year - 5 years
    Interest rate: Starting at 8%
    Speed of funding: 2 days
  • Money icon
    Merchant Cash Advance – Apply
    Advance amount: Up to $500,000
    Estimated repayment term: 3 - 24 months
    Factor rate: Starting at 1.10
    Speed of funding: Same day
    Advance amount: Up to $500,000
    Estimated repayment term: 3 - 24 months
    Factor rate: Starting at 1.10
    Speed of funding: Same day
  • Bag icon
    SBA Loans – Apply
    Financing amount: Up to $5 million
    Repayment terms: 5 - 25 years
    Interest rate: Starting at 6.25%
    Speed of funding: 7 days
    Financing amount: Up to $5 million
    Repayment terms: 5 - 25 years
    Interest rate: Starting at 6.25%
    Speed of funding: 7 days
  • Short-Term Business Loans – Apply
    Financing amount: Up to $500,000
    Repayment terms: 3 - 18 months
    Interest rate: Starting at 10%
    Speed of funding: Same day
    Financing amount: Up to $500,000
    Repayment terms: 3 - 18 months
    Interest rate: Starting at 10%
    Speed of funding: Same day
  • Store icon
    Working Capital Loans – Apply
    Financing amount: Up to $500,000
    Repayment terms: 3 months - 5 years
    Interest rate: Starting at 7%
    Speed of funding: Same day
    Financing amount: Up to $500,000
    Repayment terms: 3 months - 5 years
    Interest rate: Starting at 7%
    Speed of funding: Same day

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