If your business is growing, you probably need additional funding to ensure you can capitalize on your success. If that is the case, you’ll be happy to know that US Capital can turn that need into a reality. In fact, we specialize in helping businesses gain a business line of credit so that their business can continue to flourish.
Why get a line of credit for your business?
Most business line of credit solutions are unsecured.
Access your funds in as little as 1 to 3 business days
Use What You Need
Only repay with interest on the amount that you borrow.
24 Hour Approval
Approvals within 24 hours of your application
What is a business line of credit?
A business line of credit provides business owners with access to funds needed to grow their business. And, you only need to draw as much or little as you need based on your loan approval amount. Better yet, only repay with interest on the amount that you borrow.
Typical funding ranges from $1,000 - $250,000
Our loans run up to 18 months in length
Our rates start at 8% based on your credit rating
We’re fast and can often fund your loan within 1 to 3 business days
Is a business line of credit right for you?
Not all small business lines of credit are the same, and sometimes, the available options don’t align with your unique business needs. If your business circumstances are unique, then a business line of credit may serve your business better than will other solutions.
Standard business loans are basically a lump sum spending amount. Therefore, once your loan funds, you start to pay it back on a regular fixed schedule.
A US Capital small business line of credit allows business owners to borrow only what they need, when they need it, for the lifetime of the loan. At US Capital, we’re proud to offer small business owners a flexible line of credit.
Benefits of a business line of credit
- Only repay with interest on the amount that you borrow
- Access your funds in as little as 1 to 3 business days
- You won’t be hindered by your past credit issues
- Your loan can be used for a variety of business-related purposes
Drawbacks of a business line of credit
- Loan funding amounts are limited
- You may need to provide collateral against your loan
- The lower your credit score, the higher your interest rate
How to qualify for a business line of credit
To apply for a small business line of credit, business owners must provide proof that their business is profitable. Most banks require small business loan applicants to have a perfect credit score as well as collateral for their business loan. But at US Capital, we pride ourselves on flexibility.
Most customers approved for a small business line of credit met the following criteria
- Annual revenue of $75,000 or more
- A credit score of 550 or higher
- Six months or more of business history
To apply, you will need
- Driver’s license
- Voided check from your business account
- Recent bank statements
- A completed application for US Capital
US Capital can help with your business line of credit
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Don't just take it from us!
US Capital has helped hundreds of business owners get the capital they need to succeed. You could become the next US Capital success story!
“I needed some capital to cover payroll but my credit union wasn't going to be able to fund me in time. US Capital found me an awesome short term loan that made sense. Shout out to Rick for making it an awesome experience the whole way through!”Patricia WilliamsPaisans Catering Co.
“I landed an awesome contract with the state but needed some new equipment to be able to deliver. I called US Capital and was able to secure a loan to purchase our new trucks and had the funds in my account next day. It was a no brainer, thanks US Capital!”Roger McfeeLambert Paving Co.