Line of Credit

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.

Get Started

Why get a line of credit for your business?

Unsecured Funding

Most business line of credit solutions are unsecured.

Fast Funding

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.

Funding Amount

Typical funding ranges from $1,000 - $250,000

Terms

Our loans run up to 18 months in length

Rates

Our rates start at 8% based on your credit rating

Speed

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 get a line of credit

1

Apply Online

Fill out our quick and easy secure online application. Most people finish the form in 1 minute or less.
2

Speak With Us

After you fill out our initial application, a representative will contact you to discuss your options.
3

Get Funded

If you are approved, we get you the capital your business needs as quickly as possible.

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

If you are ready to partner with US Capital on a business  line of credit, then reach out to us today. Apply online for your loan, call us at (800) 952 – 6330 or email us at info@uscap.co. We’re here to make it easy, and make your small business dream a reality.

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