A revolving business line of credit gives you flexible access to capital without reapplying every time. Draw, use, repay, and the credit resets. Available from $25,000 to $500,000.
Approved credit line
$250,000
Draw
Use
Repay & Reuse
24h
Decision time
$500K
Max line size
↻
Revolving access
0
Draw fees (most programs)
Revolving access
Draw, repay, and reuse — no reapplying each time.
Decision in 24 hours
Fast review from our lender network.
$25K to $500K
From operational buffers to substantial credit reserves.
Pay only on what you draw
No idle interest on unused credit balance.
A line of credit is not a one-time advance. It is a pool of capital you access as needed and restore as you repay.
Get approved
Your credit line is approved and set. You only pay when you draw.
Draw capital
Request funds instantly from your available balance. Only what you need, when you need it.
Use the capital
Fund payroll, inventory, marketing, or any business need. No use restrictions.
Repay on schedule
Repay the drawn amount over the agreed term. Your available credit is restored.
Draw again
The repaid amount becomes available again. No new application required.
Availability and replenishment terms vary by lender and program. Your advisor will confirm specifics for your file.
With a term loan, you get one lump sum and repay it on a schedule. A line of credit is a standing facility.
Request any amount up to your approved limit. Funds arrive in your account within 1 to 2 business days.
Inventory, payroll, marketing, unexpected expenses. No restrictions on how you use drawn funds.
As you repay the draw, your available balance is restored. Ready for the next time you need capital.
Neither is better. They serve different cash flow needs. Here is how to choose.
A lendfloCapital advisor will help you determine which product fits your specific cash flow needs.
A line of credit gives you flexible, reusable capital.
Apply in 5 minutes. Draw only what you need, when you need it.
A line of credit is most valuable when needs are recurring and unpredictable — not for one-time capital events.
A wholesale distributor needs to double inventory ahead of a retail promotion.
Rather than depleting cash reserves before the sale clears, the distributor draws from the credit line, restocks inventory, and repays the draw when the retailer pays.
A staffing agency paid workers before the client's net-30 invoice settled.
The agency drew $28,000 to cover payroll on time, then repaid the draw in full when the invoice cleared. The credit line was available again the following week.
A retail business needed to fund a Q4 digital advertising campaign before holiday revenue arrived.
The business drew $18,000 from their credit line to fund the campaign. Holiday revenue repaid the draw within 6 weeks. The line reset for next year.
Credit line underwriting balances cash flow consistency against requested limit size.
Time in business
Most programs require 12 to 24 months of operating history. Longer history supports larger limits.
Minimum 12 monthsMonthly revenue
Bank statements confirm cash flow. Consistent monthly deposits support limit approval and renewal.
$10,000+ per monthCredit score
A revolving credit line reviews personal and business credit. Minimum requirements vary by program and limit size.
Typically 600+Business entity
LLC, S-Corp, C-Corp, and sole proprietors may all qualify. Some programs exclude sole proprietors above certain limits.
All major entity typesBank account health
Consistent deposits, positive average daily balance, and minimal returned items support approval and limit size.
Positive average daily balanceYou may already qualify — find out for free.
No hard credit pull. A dedicated advisor reviews your application within 1 business day.
Illustrative examples showing how different businesses use their credit line.
Retail operator — Nashville, TN
Draws repaid within 30 to 45 days. Line fully reset 8 times in the first year.
Logistics company — Dallas, TX
Draws match invoice cycles. Repaid in 21 to 35 days. Credit line used as a permanent cash flow tool.
Marketing agency — Chicago, IL
Small frequent draws for contractor payroll. Repaid when client invoices settle.
Examples are illustrative only. Approved limits depend on revenue, credit profile, and lender criteria. Not a commitment or offer.
No branch visits. No lengthy paper applications. Your credit line is ready to draw when you need it.
Complete our short intake in under 5 minutes. We need basic business info and recent bank statements to start.
A lendfloCapital advisor reviews your file, determines the appropriate limit, and presents available programs within 24 hours.
You receive a clear offer with your credit limit, draw terms, and repayment structure. Review and sign electronically.
Your credit line is active and available. Draw funds in as little as 1 business day whenever you need capital.
Straight answers about revolving credit.
A term loan gives you a lump sum that you repay on a fixed schedule over a set period. A line of credit is revolving — you draw what you need, repay it, and the credit restores. You only pay interest on amounts you have actually drawn. It is a flexible, reusable capital tool rather than a one-time advance.
Ready to open your business line of credit?
Fast approval. Reusable capital. No hard pull to start.
Tell us your funding needs. A lendfloCapital advisor reviews your file and presents available credit line programs from our lender network. No hard credit pull to start.
Prefer to discuss your situation first? Call and speak directly with a lendfloCapital credit line specialist.
40K+
businesses funded
24h
typical decision
$500K
max line size
10
states served
Under 5 minutes. No obligation. No hard credit pull.
Important disclosure: lendfloCapital is a financing broker, not a direct lender. All financing is subject to eligibility, lender approval, verification, and final documentation. Funding timelines are estimates. Credit limits, draw terms, and interest vary by lender and file. This page is for informational purposes only and does not constitute a financing offer.