Flexible access to capital
Keep moving when the next opportunity arrives.
$250K–$15M
Funding amount
Revolving
Draw funds as needed
24–48 hrs
Time to fund
Compare your options
Business line of credit vs. cash flow financing
Both options can help you move forward. The right fit depends on how much flexibility your business needs and how you want to access capital.
| Feature | Business Line of Credit | Cash Flow Financing |
|---|---|---|
| Type | Revolving credit | Lump sum funding |
| Payments | Weekly and monthly | Weekly and monthly |
| Flexibility | Withdraw as needed | Fixed funding, flexible repayment |
| Cost | Interest only on outstanding amount | Flat cost, no prepayment penalties |
How it works
Business capital on demand.
A business credit line functions more like a credit card than a term loan. After qualifying, you receive a total credit limit and can transfer the amount you need to your business bank account.
- Get approved based on your business revenue.
- Withdraw what you need, when you need it.
- Pay interest only on the funds you use.
- Replenish your available capital as you repay.
Access capital when the moment calls for it.
Built around your business
Unsecured vs. secured lines of credit
Unsecured
Flexibility without pledged assets.
- Eligibility based on cash flow and revenue.
- Credit limit based on revenue performance and trends.
- Faster processing.
- Higher interest rates.
Secured
More capacity backed by assets.
- Requires business or personal assets as collateral.
- Credit limit based on the value of pledged assets.
- Longer approval timelines due to asset verification.
- Typically lower interest rates.
From a business owner
“They took the time to help me find the right financing for my business. Extremely straightforward!”
Funds as you need them
When the opportunity is real, move with confidence.
01
Apply securely
Share a few details about your business and funding needs.
02
Connect with an Advisor
Work with our team to understand the right structure for your plans.
03
Receive your money
Access the capital you need with a funding plan built around your business.
Are you eligible?
Your performance and potential lead the way.
Check these two boxes and you’re on track for approval.
- 1+ year in business
- $500,000+ in annual revenue
What do I need to provide?
Start with the documents that tell your story.
- Business formation documents
- Bank statements (6 months)
- Business tax returns
- Financial statements
Questions, answered
Business line of credit FAQs
What is a business line of credit?
A business line of credit is a type of financing that gives you flexible access to cash on an as-needed basis. Unlike a lump-sum loan, it is a revolving credit line: you can withdraw funds as needed and pay interest on what you use. As you pay down your balance, more capital becomes available.
How do business lines of credit work?
Once you qualify, you receive a total credit limit. From that limit, you can transfer the amount you need to your business bank account in one or more installments. As you repay, the available balance replenishes for future needs.
How do I apply for a business line of credit?
Gather your business documentation, submit an application, review the available terms with an advisor, and select the option that best fits your business.
Is it hard to get a business line of credit?
Your business potential, cash flow, and revenue help determine fit. Craft Capital looks at the full picture of your business to help you understand your options.
Can an LLC get a business line of credit?
Yes. LLCs, corporations, and partnerships can all qualify for a business line of credit, subject to the lender’s requirements.
How does a $250,000 line of credit work?
A $250,000 credit line lets you borrow any amount up to your limit. If you withdraw $250,000, you pay interest on that amount rather than on the full limit before it is used.
When should I consider a business line of credit?
A line of credit can be useful when you want quick access to capital for an opportunity or unexpected expense, when you are scaling operations without taking on a fixed lump sum, or when seasonal cash flow creates a temporary need.
Let’s talk funding
Get the capital you need to grow your business.
Ready to take the next step? Let’s get you funded.