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HomeFundingLine of Credit
Line of credit

A line you open before you need it.

The best time to secure a credit line is when you don't need one. Approval is easier, pricing is better, and the facility is simply there when a Tuesday goes sideways.

Pre-qualify in 4 minutes 612-927-2055
$10K–$750KLine size
2–5 daysTo approval
600+Credit accepted
A business owner checking warehouse inventory on a tablet
Overview

Draw, repay, draw again — and pay for only what you use

A revolving line is a standing approval. You draw when you need cash, interest accrues only on the drawn balance, and as you repay, the availability comes back. Sit at zero for four months and it costs you nothing beyond a small maintenance fee.

That structure fits businesses whose cash flow is uneven rather than short. Project-based contractors waiting on progress payments. Seasonal operators covering a slow quarter. Distributors buying inventory ahead of a season. Anyone who could use $80,000 six times a year but never $80,000 for twelve straight months.

  • $10,000 to $750,000 revolving
  • Interest only on drawn funds — an idle line is nearly free
  • Draws in as little as one business day once the line is open
  • Renews automatically in most cases with clean usage
  • Builds business credit when the funder reports
  • No requirement to draw — approval alone costs you nothing

Revolving

Repay and the availability returns.

Interest on drawn

Zero balance, near-zero cost.

Same-day draws

Once open, funds move fast.

Every figure here is a typical range across our network, not a quote. Real terms come from your file.
Rates & terms

What this program actually looks like.

Line size$10,000 – $750,000
Draw term6 – 24 months, renewable
Rate8% – 24% on the drawn balance
Draw fee0% – 3% per draw, varies by funder
Time to open2 – 5 business days
Funding after approvalSame day to 24 hours per draw
CollateralUsually unsecured · UCC-1
Maintenance$0 – $50/month typical

Ranges reflect typical structures across our lending network. Final terms are set by the funder after underwriting.

Qualifying

What underwriting looks for

  • 6+ months in business (12+ for the largest lines)
  • $15,000+ monthly revenue
  • 600+ personal FICO
  • Consistent deposits across 3+ months
  • Business checking account in the entity's name
  • No recent charge-offs or open judgments
Check where I land

Documents to have ready

  • One-page application
  • 3–6 months of business bank statements
  • Voided check
  • Driver's license
  • YTD P&L and balance sheet for lines above $250K
Send statements as PDFs straight from online banking. Screenshots and scans slow underwriting by days.
The process

From first call to funded

  • 01

    Apply

    Pre-qualification plus statements. Soft review only.

  • 02

    Underwrite

    Deposit consistency and credit set the ceiling and the rate.

  • 03

    Open

    Sign the line agreement. Nothing is drawn and nothing accrues yet.

  • 04

    Draw

    Request funds from the portal whenever you need them.

Right fit

When this is the answer

  • Uneven or seasonal revenue
  • Progress billing and retainage cycles
  • Inventory buys ahead of a season
  • A standing safety net for payroll
  • Repeated short-term needs across a year
Look elsewhere

When it isn't

  • One large fixed purchase — a term loan is cheaper
  • Buying real estate
  • A business that will max the line and leave it drawn
  • Consolidating existing high-cost debt
Questions

Line of Credit, answered.

Almost nothing. Some funders charge a small monthly maintenance fee, typically $0–$50. There's no interest on an undrawn line, which is exactly why opening one before you need it is the smart move.
Draws usually hit your account the same day or next business day. The slow part is opening the line — after that, funding is close to instant.
Term loan for one known cost with a known return — a build-out, an acquisition, a piece of equipment. Line of credit for recurring, unpredictable needs. If you're going to draw the full amount and hold it for two years, the term loan is cheaper.
Many funders in our network do report, which is one of the fastest ways to build a real business credit profile. We'll tell you which offers report before you choose.
Yes, and it's common. What matters is total debt service against your deposits. We model the combined obligation before adding anything.
Ask Night Fox a different question
Also worth a look

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Working Capital

$10K–$2M in 1–3 days for payroll, inventory and opportunity.

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Term Loans

Fixed amount, fixed payment, 12–60 months. No surprises.

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Invoice Factoring

80–93% advanced on open invoices. Not debt.

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Ready when you are

Ready to move on line of credit?

A four-minute application, a soft review, and no impact on your credit. Travis reads every file personally and calls back with real options — usually the same business day.

Talk to Travis directly612-927-2055
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Soft review · No obligation · No impact on your credit score

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