Access the capital you need immediately and enjoy fast, flexible funding with a Business Loans Partners line of credit.
Trusted by 4,600+ entrepreneurs nationwide
Lines of credit from $6K–$100K
Repayment terms of 12, 18, or 24 months
Weekly or monthly payments
To submit your Business Line of Credit application, please make sure you meet the minimum requirements below:
Be at least 18 years of age
Have started your business at least a year ago
Have a FICO score of at least 660* at time of application
Have recent average monthly revenue of at least $3,000
All businesses are unique and are subject to review and approval.
*The required FICO score may be higher based on your history and other factors.
Small Business Advantage® | BusinessLine® | |
|---|---|---|
| Time in business | Less than two years¹ | Two or more years² |
| Credit limit | $5,000 to $50,000³ | $10,000 to $150,000³ |
| Rates as low as | Prime + 4.50%⁴ | Prime + 1.75%⁵ |
| Annual fee | No annual fee | Waived the first year |
| Other fees | — | — |
¹ "Less than two years" eligibility may vary by underwriting policies.
² Requires two or more years in business and satisfactory credit history.
³ Credit limits subject to approval and may change based on creditworthiness.
⁴ Example APR shown as Prime + 4.50%; actual rates may vary.
⁵ Example APR shown as Prime + 1.75%; actual rates may vary.
Running a business requires capital, and a Business Loans Partners line of credit provides you with ongoing access to the funds you need—right at your fingertips.
Unlike a term loan that gives you a lump sum, a line of credit lets you borrow up to a set limit and only take what you need. As you repay, your available credit replenishes, allowing you to keep borrowing without needing to reapply. Whether it’s managing cash flow or fueling long-term growth, a revolving line of credit gives you flexible access to capital.
A Business Loans Partners line of credit can offer qualified borrowers a limit of up to $100,000. Draw funds instantly—even outside banking hours—withdraw what you need, when you need it◊, and pay interest only on what you borrow. On-time payments can also help build your business credit history.
◊ Funding speed depends on your bank and processing timelines.
Get approved for a credit limit you can draw from anytime.
Withdraw only what you need and funds arrive instantly.
As you repay, your available credit replenishes automatically.
Our streamlined form takes just minutes to finish—no long paperwork.
A dedicated loan advisor helps you find the best option for your business.
Sign your agreement and access funds as soon as the same day.
Withdraw what you need, when you need it—interest is charged only on drawn funds.
Access money in seconds 24/7, even on nights and weekends.
We report on-time payments to business credit bureaus to help you grow your profile.
A business line of credit is a type of revolving credit that allows you to draw funds from a set credit limit. You can draw as much—or as little—as you need and you’ll typically only pay interest on what you borrow. Similar to a business credit card, as you repay a revolving line of credit the funds become available to borrow again. Unlike a credit card, a line of credit allows you to draw cash that will be deposited into your business checking account.
Because of these features, business lines of credit are a flexible financial tool that are great for managing cash flow and funding long-term projects. They can also act as a safety net, ensuring you have access to working capital in the event of an emergency expense or surprise opportunity.
It only takes a few minutes.
Ongoing access to funds up to a set limit. Draw only what you need and pay interest only on the amount you borrow. As you repay, your available credit replenishes—ideal for cash flow and repeat expenses.
Receive a one-time amount deposited to your account and pay interest on the full balance over a fixed schedule—best for large, one-time purchases like equipment or build-outs.
The amount of business credit you can get depends on several factors, including your business’s financials, creditworthiness, and a lender’s eligibility requirements. Strong finances and a good credit score can unlock higher limits and better rates.
Business Loans Partners Line of Credit offers qualified borrowers limits up to $100,000. Applying is easy and only takes a few minutes. We perform a soft credit check, so it won’t affect your score.
When you take a draw, you’ll have a set time to repay the funds. You’ll make weekly or monthly payments on the amount borrowed to pay it off by the end of the term. Some lenders may charge a fee for early repayment—be sure to check.
With Business Loans Partners, your repayment terms are provided upfront. You pay interest only on what you draw, repaid via simple weekly or monthly payments. No annual fees or draw fees. You can repay early without a prepayment penalty to reduce borrowing cost.
Instant Funding is fast access to working capital. Business Loans Partners is one of the few lenders offering business lines of credit with instant access to funds. Draw when you need and see money in your account in seconds, 24/7—even when banks are closed.
Some lenders allow limit increase requests. If you’ve shown strong repayment history and capacity, you may be approved.
With Business Loans Partners, limit increases are based on cash flow, net income, and payment history. We proactively review accounts to identify those that may benefit from an increase.
Costs vary by personal and business credit, time in business, annual revenue, and cash flow.
While financing can be harder with a low or thin credit profile, it’s not impossible. At Business Loans Partners we take a more comprehensive view of your business finances and may approve applicants turned down elsewhere.
Our application is simple and fast—often same-day decisions. Compare offers carefully (rates, fees, terms). Note: new businesses need at least one year in business to be eligible for funding.
If your lender reports to business credit bureaus, on-time payments on a line of credit can help build credit. Make sure your business credit file is open, keep utilization reasonable, and pay on time.
Business Loans Partners reports to business credit bureaus, so every on-time payment helps build your profile.
Secured lines require collateral (a business asset). If you fail to repay, the lender can seize and sell the asset.
Unsecured lines don’t require collateral. Rates can be higher, but you avoid pledging assets—useful for businesses without many physical assets.
You might pair a line with:
• Term loans — upfront lump sum for big one-time expenses.
• Equipment loans — purpose-built; equipment often serves as collateral.
• SBA loans — partially guaranteed by the SBA; longer processes and stricter criteria.
• Microloans — typically under $50,000; sometimes easier to qualify for.
Business Loans Partners understands financing needs. Our term loans are available in addition to a line of credit—talk to your loan advisor to explore options.
We use soft pulls of personal credit reports that don’t affect your credit score.
Flexible small-business financing from Business Loans Partners. Apply online and access the capital you need to grow with confidence.
*Timing may vary by application and bank processing.