Business and private lines of credit for established companies. Draw when the business needs it, repay as cash comes in, and draw again: one facility, structured around how your company actually earns.
Pre-qualification is the first step of a request for business credit. It is not an approval or a commitment to lend. All credit is subject to underwriting and approval.
Both are revolving commercial credit from independent private lenders. They differ in how they are structured and what they rely on.
A revolving line sized to the company's revenue, receivables and operating history. Used for the timing gaps every operating business has: payroll ahead of collections, inventory ahead of a season, materials ahead of a draw.
Revolving business credit from independent private (non-bank) lenders. Underwritten on the assets, contracts and cash flow the business can show, for companies whose profile, timing or structure falls outside a standard bank program. Commercial purpose only; never personal or household credit.
A line of credit is repaid from the business, so we start with the business: where cash comes from, when it arrives, and what stands behind it.
Bank statements, receivables and contracts tell us more than a single number.
Receivables, inventory, equipment or contracts can support a secured line; strong cash flow can support an unsecured one.
Line size and terms follow your cash-conversion cycle, not a round number.
Every cost, covenant and condition is set out in writing before you sign.
Five short steps. No documents to upload, and no credit report at pre-qualification.