Flexible capital you draw only when you need it
A business line of credit gives you an approved limit to draw from, pay down, and draw again. You typically pay for what you use — handy for managing the ebb and flow of working capital.
What it is
A revolving credit limit. You can take a draw when a need comes up, repay it, and the available room replenishes. It’s designed for flexibility rather than a single lump sum.
Who it’s best for
Businesses with variable or seasonal cashflow that want a safety net on standby — without committing to a fixed amount or schedule before they know what they’ll need.
Draw, repay, repeat
Get an approved limit
You’re set up with a maximum you can borrow against — but you don’t have to use it.
Draw what you need
Pull funds for a specific need; you typically only carry a balance on what you draw.
Replenish as you repay
Paying down a draw frees the room back up for the next time it’s useful.
Where a line of credit fits
Wondering how much room you’d qualify for?
Checking is a soft inquiry that won’t affect your credit score. We’ll talk through realistic limits and how a line stacks up against other options.