Business Line of Credit for US‑Based Businesses
Flexible financing that allows you to draw, repay, and redraw funds as needed
Get what you need when you need it!
Business Line of Credit
A business line of credit (LOC) offers flexible financing that allows you to draw, repay, and redraw funds as needed—paying interest only on the amount you use. Perfect for closing cash flow gaps, handling short-term expenses, and responding to unexpected opportunities.
Our business line of credit program is designed to provide businesses with flexible access to capital that can be used for a variety of purposes, including working capital, inventory management, and growth initiatives.
Get Started in 3 Simple Steps
- Apply online with your business info and goals
- Submit documentation (bank statements, tax returns, website)
- Receive your line and start drawing as needed
Why Choose a Business Line of Credit?
- Flexible access to cash – Tap into a credit limit as your business needs it.
- Cost-effective interest – Pay interest solely on the funds you draw.
- Revolving structure – Borrow, repay, and re-borrow without reapplying.
- Quick support for working capital – Ideal for payroll, inventory, seasonal swings, or emergencies.
Low Interest Rates
Rates from 10% to 38% APR
No Collateral Required
Get funding without tying up property.
Quick Access to Funds
Customized credit lines up to $100,000
Learn how the Business Line of Credit process works!
Limit Amount: Up to $100,000
Terms: 6 – 12 months (with potential renewal)
Rates: Range from 10% to 38% depending on risk and lender (paid on drawn amount only)
Qualifications:
- Minimum credit score 66o+
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Faster Funding’s
Business Line of Credit provides flexible access to capital
With our easy-to-use platform, you can quickly access a line of credit for your business that can be used for a variety of purposes, including working capital, inventory management, and growth initiatives.
Here are some of the benefits of our business line of credit program:
- Flexible Funding: Our business lines of credit allow you to access to funding as you need it, up to your approved credit limit. This means you only pay interest on the funds you use.
- No Collateral Required: Our business lines of credit do not require collateral, which makes it easier for businesses to access the financing they need.
- Fast Approval: Our streamlined application process and quick approval times mean you can get the funding you need in as little as 24 hours.
A Business Line of Credit is ideal for:
- Covering seasonal cash shortfalls or payroll demands
- Managing inventory or supplier purchases efficiently
- Funding marketing campaigns or growth initiatives
- Handling unforeseen expenses without full-loan rigidity
This solution is perfect if you:
- Run a US-based business
• Have been in business for at least 6–12 months - Generate $100K+ in annual revenue
- Maintain a personal credit score of 660+
- Seek open-ended working capital without fees or collateral
- Want quick access to cash without repeated loan applications
Most Eligible Business Line of Credit Lenders (e.g., BlueVine, Backd, AMEX) Require:
♦ Personal guarantee – mandated across the board
♦ 3 months of bank statements – to verify cash flow
♦ Tax returns – specifically required by AMEX
♦ Business website – required by Backd for online presence
♦ Minimum business tenure of 6–12 months
♦ US-based businesses only
♦ At least $100,000 in annual revenue
♦ Clean financial record – no tax liens or bankruptcies (BlueVine, Backd, AMEX)
♦ Profitability and AMEX relationship – AMEX may require both
How We Work. Our Mission & Values
At Faster Funding, we’re committed to helping businesses of all sizes succeed. Our business line of credit program is just one of the many ways we’re working to make that happen.
To learn more about our business line of credit program or to apply for funding today, please contact us. Our team of experts is standing by to help you find the perfect lending solution for your business.
Approval & Access Process
- Apply online with business and personal info
- Submit required documents (bank statements, tax returns, etc.)
- Underwriting & decision typically within a few days
- Access funds upon approval, then borrow as needed
- Make repayments monthly interest-only or principal + interest, depending on terms
Faster Funding is Here to Help
Frequently Asked Questions
We understand you are probably wondering how this all works. Here are some key topics to help you make informed decisions to unlock your business’s growth opportunities.
How much of the credit line can I use?
You can draw any amount up to your approved limit—e.g., you can draw $25,000 now and another $50,000 later up to $100,000 total.
Do I pay interest on the entire line?
No, you only pay interest on the portion you’ve borrowed, not the full limit.
Is collateral required?
No. This is an unsecured line of credit.
What credit scode do I need?
Generally, a personal credit score of 660 or higher is needed.
What documentation is typically required?
Most lenders will ask for a personal guarantee, 3 months of bank statements, and sometimes tax returns. A business website and proof of location/business tenure may also be needed.
Get Started
Contact us to learn more about our business revolving line of credit. Our team of experts is standing by to help you find the perfect financial solution for your business.
