Business Line of Credit

Flexible revolving credit to manage cash flow, cover expenses, and seize opportunities as they arise.

$5K - $500K

Funding Range

1-3 Days

Fast Funding

Premium Financing

Business Line of Credit Overview

Our Business Line of Credit provides $5,000 to $500,000 in flexible revolving financing for your business. Draw funds as needed and only pay interest on what you use. Perfect for managing cash flow gaps, purchasing inventory, covering payroll, or handling unexpected expenses. With competitive terms and quick access to capital, our line of credit helps you maintain financial flexibility while growing your business—backed by our commitment to transparency and personalized support.

💰 AMOUNT

$5K - $500K

⏱️ SPEED

1-3 Days

📊 RATE

5%-25%

📝 TERMS

6-36 months

What Do You Need to Qualify?

Qualifying is straightforward with our flexible criteria designed for your business.

Minimum Credit Score
620+ (flexible options for lower scores with strong business performance).
3+ months in business.
$8,000+ monthly.
3 or fewer (based on bank statements).
Debt-to-income ratio, business cash flow, industry type, and overall financial health.
Bank statements (3 months), business tax returns (if applicable), proof of ownership, and business financial statements.

Why Use Black Tie Funding for Business Line of Credit

We stand out by offering business-focused solutions with minimal paperwork, competitive rates, and transparent terms.

Fast and Convenient Process
Streamlined application process with approvals in as little as 24 hours.
Funding available for businesses with FICO as low as 620.
Reuse funds as you repay, providing ongoing access to capital.
Interest charged only on the amount you draw, not your entire credit line.
Dedicated business advisor from application to funding.
No hidden fees—full details upfront on rates and requirements.
 

Explore Similar Funding Solutions

Working Capital Loans

$10K–$1M, 1-5 days

Merchant Cash Advance

$5K–$500K, 1-3 days

Equipment Financing

$10K–$1M, 2-7 days

What Our Clients Say

Frequently Asked Questions

How does a business line of credit work?
A business line of credit works like a credit card—you’re approved for a maximum amount and can draw funds as needed. You only pay interest on what you use, and as you repay, you can access those funds again.
You can use it for any business purpose: managing cash flow, purchasing inventory, covering payroll, handling emergencies, or taking advantage of growth opportunities.
Once approved, most clients can access their line of credit within 1-3 business days.
A term loan provides a lump sum paid back over time with fixed payments. A line of credit is revolving—you can draw, repay, and draw again, paying interest only on what you use.
All fees are disclosed upfront with no hidden charges. Typical fees may include draw fees or annual maintenance fees, which we’ll explain clearly during the application process.

Ready to Grow Your Business?

Apply now for fast, flexible funding—backed by our nationwide network and business expertise.

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Business Line of Credit

Revolving credit line for flexible funding needs
Amount Range
$5,000–$250,000
Funding Speed
2-3 days
Term
6-24 months
Rate
12-35% APR
Min Credit Score
580+
Time in Business
3+ months
Min Monthly Revenue
$8K/month
Max Negative Days
5 per month
Full Transparency
What’s Involved: Simple application process with minimal documentation required.
True Costs: All fees are disclosed upfront with no hidden charges or surprises.
Payment Schedule: Clear payment terms with flexible options to match your cash flow.