Capital you can draw on, whenever your US business needs it.
A revolving business line of credit gives American businesses an approved limit to draw against, repay and draw against again — paying only on the balance actually used. Credit limits range from $15,000 to $100,000, with rates from 0.99% per month.
Rates from
0.99%
Credit limits
$15,000–$100,000
A line of credit is not an instalment loan.
It is a revolving line: you draw what you need, up to your approved limit, and pay interest on the amount actually drawn. That is what makes it suited to costs that arrive before your revenue does — draw when the cost lands, pay it down when the money comes in, and draw again next time without a new application.
What we can finance
Who this is for
Compared with a bank
A bank needs weeks. We need 24 hours.
When a business needs capital or equipment, it needs an answer now. A traditional bank branch underwrites on financial statements, collateral and personal credit, and its review can run for weeks. Our commercial lenders underwrite on your business revenue and banking stability — so we can move far faster.
What a traditional bank branch asks of you
A minimum personal credit score to be considered
Three years of financial statements, every time
Home collateral or real estate security
Review that can run for weeks before a decision
What our commercial lenders ask for instead
No impact on your personal credit
Commercial funding is set up under your business. It does not appear as a monthly trade line on your personal credit file, so adding equipment doesn't count against your personal borrowing.
No financial statements required
We do not need financial statements at all to qualify. No three years of year-ends, no accountant's package to assemble.
No home collateral
You are not putting your house on the line. No real estate security is required to qualify.
Approvals within 24 hours
Decisions come back within 24 hours, with unsecured loan funding in your bank account within 2 business days.
The lender makes the decision and sets the terms — our job is to get your application in front of the right one.
Estimate your financing
US Line of Credit calculator
Adjust the amount, rate and term to see how the numbers move. This calculator loads with $25,000 as its default.
US Line of Credit Calculator
$15,000–$100,000 · Rates from 0.99%
Your estimate
A business line of credit is a revolving line, not an instalment loan. The figure above is a one-month interest estimate on the drawn amount at the rate shown, based on a monthly rate basis. It is not a required monthly payment.
Illustrative only — your rate and approved amount depend on the program, the vehicle and the applicant. Full disclosure
How the process works
What happens after you reach out.
Apply online
Tell us the credit limit you are looking for and roughly what you would use it for. Applying is free, with no obligation to continue.
We review your business
Qualifying programs look at your US business revenue, banking history and cash flow — not just a credit score. We identify which lenders are most likely to consider your profile.
Decision within hours
Eligible applications get a decision within hours. We tell you the terms in plain language before you commit to anything.
Line opened and funded
On approval we coordinate the documentation, and your line is opened ready to draw on — with funding available in as little as 24 hours for eligible applications.
Draw on it as needed
Request a draw whenever a cost lands, from a few hundred dollars up to your approved limit, and pay it down as revenue comes in — with no penalty for early repayment.
Pay only for what you use
You are charged on what you borrow at any one time, not on the whole limit. As you repay, that room becomes available again for the next time you need it.
Frequently asked questions
- Do you offer lines of credit to businesses in the United States?
- Yes. We arrange revolving business lines of credit for American businesses alongside our Canadian programs. Qualifying programs work from your US business revenue, banking history and cash flow.
- How is the 0.99% rate calculated?
- 0.99% is our advertised starting rate for a business line of credit, quoted per month. It is a starting point for eligible businesses — the rate that applies to your line depends on your business profile and is confirmed in your offer before you commit to anything.
- Is the rate charged monthly?
- Yes. Our advertised starting rate is 0.99% per month. When we bring you an offer, we set out the rate that applies to your line along with what it works out to in dollars on the amount you draw, so you can see the full cost before you proceed.
- What's the difference between a line of credit and a loan?
- A loan advances a fixed amount that you repay on a set schedule. A line of credit gives you an approved limit you can draw against, pay down and draw against again — you only pay for what you use. No matter how many times you draw, you work with one balance and one repayment rather than a new application each time.
- What credit limit can I get?
- Our advertised range is $15,000–$100,000, subject to lender approval, eligibility and transaction requirements. The limit is set by the lender based on your business — its revenue, banking history and cash flow. If your requirement is larger than the range shown, tell us, because other programs we work with can consider higher limits.
- What do lenders look at when they review my business?
- Qualifying programs commonly review your business revenue, your banking history and your cash flow. You will provide basic business information and bank statements. Requirements vary between programs, so we tell you what the relevant one actually needs before you apply.
- How fast can I get funds, and how do I access them?
- Eligible applications get a decision within hours, and funding can be available in as little as 24 hours. Once your line is opened, you draw on it whenever you need to, and pay it down as revenue comes in. We confirm the exact access and transfer method that applies to your line as part of the setup.
- What does it cost to pay it down early?
- There is no penalty for early repayment. You can make an unscheduled repayment at any time, and paying down faster reduces the balance you are charged on — the main advantage of a revolving line over a fixed loan. As cash comes in, put it against the balance and free up room under your limit for the next time you need it.
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Ready to get started?
One team, one point of contact, from application through funding.