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Business Capital Advisors

Business Line of Credit

Flexible revolving capital you draw on as needed.

Borrow, repay, and borrow again, interest only on what you use. Built for uneven cash flow and recurring short-term needs.

Is this the right product?

Structured around your business, not a one-size offer.

It fits when

  • Recurring short-term needs: inventory buys, payroll smoothing, seasonal ramps
  • Businesses that want standby capital they only pay for when they use it
  • Owners bridging receivables without committing to a fixed loan

Look elsewhere when

  • One large fixed purchase; a term loan or equipment financing usually prices better
  • Borrowers who would run the line to its limit and carry it; that is term-loan shaped debt

How to qualify

  • Typically 6+ months in business for online lines, 2+ years for bank lines
  • Monthly revenue of roughly $10K+ (online) with owner credit around 600+
  • Bank lines want stronger credit and financials in exchange for better pricing

What you'll need

  • 3 to 6 months of business bank statements
  • Driver's license and voided check
  • Bank lines: business tax returns and financial statements

Cost and timeline

Illustrative example: a $50K limit costs nothing while undrawn (some lines carry a small monthly fee). Draw $20K at 18% APR and interest runs about $300 per month until repaid; repay in 60 days and total interest is roughly $600.

Online lines can be approved and drawable in 1 to 3 business days. Bank lines typically take 1 to 4 weeks. Once open, draws land in your account within a day.

Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.

Go deeper: Business Line of Credit Guide →

Common questions

Business Line of Credit, answered straight.

How is a line of credit different from a term loan?

A term loan is a single lump sum repaid on a fixed schedule. A line is revolving: draw what you need, repay, and draw again, paying interest only on what is outstanding. Lines fit recurring gaps; term loans fit one defined expense.

What does an unused line of credit cost?

Usually nothing, some lines carry a small monthly or annual fee. That is the point: it can sit open as a safety net and only costs real money when you draw. Ask for the fee schedule in writing before opening one.

What credit limit can I qualify for?

Lenders size limits against monthly revenue, commonly 10-20% of annual revenue for online lines. A business depositing $50K a month might see limits in the $25K-$100K band, with bank lines running larger for strong files.

How fast can I draw once the line is open?

Online lines are often approved and drawable in 1-3 business days, and once open, draws typically land in your account within one business day. Bank lines take 1-4 weeks to open but behave the same once active.

How it works

From hello to funded.

  1. 01

    Tell us what you need

    Two minutes, how much, what for, and your monthly revenue. No hard credit pull.

  2. 02

    We structure your options

    Your advisor matches your file to the right product and 3-5 vetted funders, not 50.

  3. 03

    Compare real terms

    See factor rate or APR, payment, and total cost, all disclosed before you sign anything.

  4. 04

    Get funded

    Accept, upload a few documents, and funds can land in as little as 24-48 hours.

Other ways we structure capital

Let's structure your business line of credit.

Two minutes to apply. First offers in 24 hours, with every term disclosed before you sign.

Get my funding optionsCall (307) 667-1250