CHAPTER 02 — PRODUCTS / FACILITY FILE 02
← Back to the capital menu

LINES OF CREDIT / WORKING CAPITAL

Capital with
your rhythm.

A line of credit makes approved funds available to draw as business needs arise. It is a structure for recurring working-capital needs—not a promise of permanent or unlimited access.

Explore revolving capital ↗
01 / Draw

Meet the gap.

Consider inventory, payroll or timing gaps between outgoing expenses and incoming receipts.

02 / Repay

Plan the rhythm.

Review the payment schedule, draw charges and obligations before deciding what to access.

03 / Reuse

Check availability.

Availability may replenish with repayment. Renewal, future draws and limits remain subject to the agreement.

BEFORE YOU CHOOSE

Ask beyond the limit.

  • Is pricing based on interest, draw charges or another fee structure?
  • Are there maintenance, origination, renewal or unused-line fees?
  • How often are payments due, and how is each draw repaid?
  • What can change the limit, freeze draws or trigger renewal review?
  • Are collateral or personal guarantees required?

A fixed project instead?

If your business needs one defined amount for a planned investment, compare a term loan →. If the gap is tied to unpaid eligible commercial invoices, explore invoice factoring →.

Review deal preparation →
Start my capital review ↗

Pricing is quoted after review. No rate, limit, approval or funding time is guaranteed. Eligibility, underwriting and provider terms apply. Compare total cost, fees, payment frequency, collateral and guarantees before signing. Do not enter bank credentials, account numbers or Social Security numbers in open message fields.