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Small Business Line of Credit

A revolving line of credit offers a flexible way to access business capital whenever you need it, without paying for unused funds.

Loan Amount

Up to $10M

Funding Time

48 hours

Financing Terms

Up to 36 months

Factor Rate

As low as 1.18*

Flexible Financing Tailored to Your Business

With a business line of credit, you benefit from:

Financing amounts ranging from $5,000 to $300,000
Terms between 3 to 36 months
Monthly interest rates from 1% to 1.5%
Monthly repayment options

Qualifying Made Simple

To qualify for a business line of credit, your business will typically need to:

Operate within the United States
Have been in business for at least 6 months
Generate $20,000 or more in monthly revenue
Active business bank account
Maintain a credit score of 675 or higher

What our customers are saying about working with us!

“A Lifeline for Our Business”

"I can’t express how much this loan has helped my business. We were struggling with cash flow after a large client delayed payment, and I was worried we’d have to cut back on staff. Thanks to this loan, we not only kept everyone on payroll, but we also had the peace of mind to focus on growth instead of survival. The process was so easy, and the funds arrived faster than I expected!"

— Emily R., Small Business Owner

“Making Expansion a Reality”

“Expanding our business felt like a distant dream until I came across this service. Getting a loan so quickly meant we could secure our new location and bring in more clients without missing a beat. The whole process was seamless, and I didn’t have to jump through hoops like with a traditional bank. Honestly, this loan changed our business trajectory.”

— Rachel L., Fitness Studio Owner

“A Huge Relief When We Needed It Most”

“We were in desperate need of new equipment, but I didn’t know where the money was going to come from. When I found out I was approved for a working capital loan in just a few hours, it felt like a weight had been lifted off my shoulders. I could get back to focusing on my business instead of worrying about how to cover our expenses. It’s made all the difference for our future!”

— Mark S., Restaurant Owner

“Breathing Room for Everyday Operations”

“As a small business, cash flow is always a challenge, especially during slower seasons. This loan gave us the breathing room we needed to manage day-to-day operations without stress. I felt supported throughout the entire process, and the fact that I could handle everything online was such a relief. I’m so grateful for this service – it’s been a game changer.”

— Carlos M., Retail Store Owner

How Does a Line of Credit Work?

A business line of credit gives you flexible access to funds up to a pre-approved credit limit, allowing you to cover short-term working capital needs whenever they arise.

Once you’ve repaid what you’ve used, your full credit limit becomes available again.

Run your business smoothly with access to capital for:

Covering daily operational expenses
Managing inventory during peak seasons
Handling unexpected emergencies

Get a small business line of credit in 4 easy steps

Explore your options without damaging your credit score.

Pre-qualify online
Click “Get Started” to pre-qualify for a working capital loan

Submit application
Once you’ve completed the application on our site, you can securely upload your last 4 months of bank statements directly through our platform.

Approval in as little as 2 hours
Your loan application will be reviewed and you can get approved in as fast as 2 hours.

Receive same-day funding
If approved, your requested loan amount can be transferred to your bank account as soon as the same business day.

Get Started

Is a Line of Credit Right for Your Business?

Pros

Only pay for the funds you use
Flexible and adaptable to meet your specific business needs
Quick access to capital when you need it most

Why work with Secured Money Solutions?

A Trusted Partner for Business Financing

We’ve empowered over 46,000 small businesses across the U.S. by providing access to the capital they need to achieve their goals and fuel their success.

Exceptional Customer Support

Our team of business financing experts is here to guide you through the process, helping you explore your options and secure the best loan offers for your business’s unique needs.

Frequently Asked Questions

Are business lines of credit secured or unsecured?

Business lines of credit are unsecured. An unsecured business line of credit does not require the borrower to put up an asset as collateral. However, because unsecured lines of credit involve a higher risk for the lender, borrowers typically need to have a higher business credit score to be approved for one.

What term lengths are available for a business line of credit?

Business lines of credit also come in different term lengths: short term and medium term.

Unlike with loans, term lengths have nothing to do with how long you have to make payments on it or how long it’s available to you.

Instead, the different terms indicate things like interest rates and spending limits.

For example, a short-term line of credit has higher interest rates, lower limits, and lower revenue requirements, similar to short-term loans. Conversely, medium-term lines of credit have lower interest rates and higher borrowing limits, much like a medium-term loan does.

How does a line of credit for small business work?

Unlike a term loan, a business line of credit allows you to only pay interest on the amount you actually use. For example, if a business owner has a credit limit of $150,000 but only uses $40,000, they only have to pay interest on the $40,000 draw.

Once the amount has been repaid ($40,000), the business owner can draw additional funds up to the amount of their credit limit ($150,000).

Are business lines of credit the same as credit cards?

Although business lines of credit do operate very similarly to a credit card, they are not the same thing.

Credit cards typically have higher interest rates and, in many cases, a line of credit will have lower rate with monthly payment system

Does opening a small business loan line of credit hurt your credit score?

No, opening a new business line of credit does not necessarily hurt your credit score. Although a hard inquiry from the lender may cause a temporary dip in your score, repaying your line of credit on time can ultimately help you improve your credit.

How can I apply for a small business line of credit?

Applying for a business line of credit is straightforward. Let’s help you get qualified! Simply submit the online application along with your most recent four months of bank statements. Our team will review your application and reach out to discuss your options, all with no obligation on your part.