Business Lines of Credit
A line of credit gives you access to funds you draw against as needed, paying interest only on what you use. It's a fit for businesses with recurring or seasonal cash-flow gaps rather than one large, one-time need.
Does a fit depend on a personal guarantee?
Some lenders attach a personal guarantee to a line of credit and some don't — which one is right depends on the business, not on a one-size template. I ask about that fit before I ever send your information anywhere. If you want the full picture on qualifying without one, see the no-personal-guarantee guide.
Line of credit vs. term loan
A line of credit gives you a revolving limit you can draw from repeatedly — the fit for ongoing or unpredictable needs like payroll gaps or seasonal swings. A one-time, defined need is usually better served by a term loan. Not sure which shape fits? Start at the Working Capital hub.
How the match works
You tell me your revenue, time in business, and what the capital is for. I identify the one vetted lender best suited to you, confirm their terms are transparent, and make a single direct introduction. You stay in control of the conversation from there.
Common questions
What is a business line of credit?
It gives you access to funds you draw against as needed, paying interest only on what you use. It's a fit for businesses with recurring or seasonal cash-flow gaps rather than one large, one-time need.
Do I need a personal guarantee for a line of credit?
Some lenders attach a personal guarantee to a line of credit and some don't — which one is right depends on the business, not on a one-size template. I ask about that fit before I ever send your information anywhere.
Line of credit vs. term loan — which fits?
A line of credit suits ongoing or unpredictable needs — payroll gaps, seasonal swings. A term loan suits a one-time, defined capital need. I'll help you weigh which structure fits before matching you to a lender.
Let's see if a line of credit fits
Tell me a little about your business and what the capital is for. If I have a vetted lender that fits, I'll make a single, direct introduction — usually within one business day. No broker pools, no resale of your information.