Line of Credit
Excellent | 15,718 reviews
Up to $500K. Only pay on the amount you draw. Get prequalified in minutes.
Why a Line of Credit?
A line of credit gives your business flexible access to funds whenever you need them. Draw only what you need, pay interest only on what you use, and borrow again as you repay. It keeps your business ready for whatever comes next.
Line of Credit Benefits:
Flexible Access
Pay for what you use
No fixed monthly payments
What Is a Line of Credit?
A line of credit gives you flexible access to funds up to a pre-approved limit. You pay interest only on the amount you borrow, and your available credit replenishes as you repay.
The major types of lines of credit include:
- Personal Line of Credit (PLOC): For personal expenses and emergencies.
- Home Equity Line of Credit (HELOC): For borrowing against home equity.
- Business Line of Credit (BLOC): For business expenses, working capital, and cash flow needs.
Biz2Credit offers business lines of credit to help small businesses access funds for their financing needs.
Best For
- Managing cash flow
- Covering payroll
- Seasonal businesses
- Ongoing working capital needs
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Why Biz2Credit?
No Hidden Fees
Transparent financing and contracts sent to you for review before signing.
Dedicated funding specialist
A real person assigned to your application from day one.
Transparency
Real-time status visibility; fewer black-box steps
End-to-end management
One system to apply and manage your loans with Biz2Credit including payments.
Estimate Your Repayments
Get a sense of what repayments might look like. Rates vary by profile.
How to Apply for a Line of Credit
Tell Us What You Need
Plain-English application with dedicated funding specialist support for any questions.
Review Your Options
Our platform shows you matching options.
Get Funded
Decisions as fast as 24 hours.
You will need:
Note: More documents may be required when applying with Biz2Credit.
Real Businesses.
Real Results.
All stories are real, as told by real business owners. No actors, no scripts — just the people we've been proud to fund.
After reviewing offers from other lenders, the offer from Biz2Credit really stood out.
The customer service, [and] the amount of people they have to help is incredible and I'll continue to use them just for that purpose only
Biz2Credit has been our main lender over the years we have been in business. We have such a history now, through ups and downs, I feel like (Biz2Credit) has always been there for us.
FAQs About Line of Credit
Straight answers about eligibility, fees, and funding speed.
Biz2Credit's Business Line of Credit (BLOC) allows qualified customers to apply for flexible financing, with their business approved for a predetermined credit limit. Upon approval, customers are required to make a minimum initial draw, after which they can access funds as needed for the agreed upon period of 12 months for the line of credit. This is a line of credit for small businesses as well as medium to large businesses, depending on their needs.
Like our Term Loan product, there are three minimum criteria that a borrower needs to meet to qualify for the business line of credit. FICO score, average business revenue and time in business. FICO scores for the majority owner of the business should be 650 or above, average business revenue should be a minimum of $250,000 per year based on the last six months of revenue, and the company must be in business for at least 12 months at the time of applying for funding. This can change based on an applicant's qualifications. You are only eligible if your business is in one of our qualified states listed here.
Applying for a business line of credit does not affect your credit score.
Once the initial draw is made, you have ongoing access to the credit line for 12 months, enabling you to request funds at any time during the term, up to the last 5 days. Just sign in to the Biz2Credit portal with your username and password, and on your Biz2Credit dashboard you can make your next draw request from your line of credit. Draw requests are subject to underwriting review and approval of draw requests is at the sole discretion of the lender. After 12 months your business will be reassessed for eligibility to renew the credit line.
Getting a line of credit for your business is easy! Click here, create your Biz2Credit account and start your application for funding -- it only takes a couple of minutes. Once your application and your financial documents are submitted to underwriting, your business will be reviewed for eligibility for a line of credit. If you are approved, you will be notified and can login to your account to complete the contract to activate your credit line.
Line of Credit Articles
FROM THE KNOWLEDGE CENTER*
*This information is provided for general information only
, does not constitute financial advice, and does not necessarily describe Biz2Credit commercial financing products.
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The Biz2Credit Line of Credit is not currently available in all states. At present, businesses in the following states may be eligible for the Line of Credit based
