Business financing from $5,000 to $300,000
Access working capital based on your business's evolving needs.
Flexible Business Financing
Small Business Line
Small Business Line
of Credit
Access the capital you need, when you need it. A revolving line of credit gives your business the flexibility to cover expenses, manage cash flow, and seize growth opportunities—without paying for unused funds.
Business
Financing
BUSINESS LINE OF CREDIT
Flexible Financing
for Your Business
Terms from 3–24 months
Flexible repayment durations to match your cash flow cycles.
Monthly interest rate 3–5%**
Affordable interest rates designed for small business budgets.
Weekly or monthly repayments
Choose a repayment frequency that works best for your business.
Requirements to Qualify
U.S.-based business
Your business must be actively operating within the United States.
6+ months in business
A minimum of six months of operational history is required.
$20,000+ in monthly revenue***
Consistent monthly deposits in a business account are essential.
Credit score of 675+
A solid credit score increases your approval odds and better terms.
Small business line of credit
Smart Funding
For Business Growth
Fund Amount Up to $600,000
Time to Approval As fast as 4 hours
Factor Rate As low as 1.11*
SIMPLE PROCESS
Four Simple Steps to Funding
Explore your options without damaging your credit score
STEP - 1
Apply Online
Quick & Easy
Click “Get Started” to apply for a working capital fund and begin your journey to fast funding.
STEP - 2
Gather Documents
For Approval
Be ready with your bank statements and government-issued ID to complete the approval process smoothly.
STEP - 3
Fast Approval
In As Little As 4 Hours
We’ll review your fund application quickly. You could receive approval in just a few hours.
STEP - 4
Same-Day Funding
Get Paid Fast
Once approved, your funds can be deposited into your bank account the very same business day.
Is a Line of Credit Right for Your Business?
👍 Pros
- ✔ Pay interest only on the funds you actually use.
- ✔ Highly adaptable—draw funds as needs arise.
- ✔ Quick access to capital when opportunities or challenges arise.
👎 Cons
- ✖ May require stronger credit and financial history to qualify.
- ✖ A personal guaranty is typically needed for approval.
FAQ
Frequently Asked Questions
Your top questions about business lines of credit—answered by BIZNEX FUNDING.
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Are business lines of credit secured or unsecured?Business lines of credit come in both secured and unsecured options. A secured line requires you to offer collateral, while an unsecured line does not—but may require stronger credit to qualify.
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What term lengths are available for a business line of credit?Terms can be short or medium. Short-term credit often comes with higher rates and lower limits, while medium-term options may provide better rates and higher borrowing amounts, depending on your business profile.
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How does a line of credit for small business work?You draw funds as needed and only pay interest on what you use. Once you repay what you’ve borrowed, your credit line replenishes and becomes available again.
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Are business lines of credit the same as credit cards?While they share some similarities, business lines of credit often have lower interest rates and more flexible payment terms than traditional credit cards.
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Does opening a business line of credit impact your credit score?It may result in a temporary dip due to a hard credit inquiry. However, consistent repayments can help improve your score over time.
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How can I apply for a business line of credit?Applying is easy with BIZNEX FUNDING. You can start your application online, and our team will guide you through the process and help you find the best line of credit for your business needs.
Ready to grow? We make financing simple.
Secure up to $600,000 in small business funding and take charge of your company’s future today.
