Cards are convenient and often have a genuinely free window. Lines are for amounts and uses a card cannot handle. Used together properly, the card handles spend and the line handles cash.
| Business credit card | Business line of credit | |
|---|---|---|
| Typical limit | $5K – $100K | $10K – $750K |
| Cash access | Expensive cash advances | Direct transfer to your bank |
| Interest-free period | Yes, if paid in full each cycle | No — interest accrues from the draw |
| Approval basis | Personal credit, usually with a guarantee | Business financials plus credit |
| Reporting | Some report to personal credit | Reports to business bureaus |
| Best use | Recurring vendor spend, travel, software | Payroll, inventory, cash gaps |
Use both, for the jobs each does well. Cards for vendor spend you clear monthly, a line for cash. What you should never do is take cash advances off a card at 25%-plus when a line is available.
A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.
Talk to Travis directly612-927-2055Soft review · No obligation · No impact on your credit score
