Working Capital / Short-Term Financing
Owners with lumpy or seasonal sales · Companies waiting on customer invoices
Flexible funding to support day-to-day operations and cash flow needs.
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Commercial Financing
Business Lines of Credit LOC
Revolving credit facilities for ongoing business needs.
A line of credit is a reusable pool of money. You draw what you need, pay it back, and draw again — like a business credit card, but usually cheaper and built for larger, repeating needs.
How it works
Unlike a term loan, you do not take the full amount on day one and start a fixed payoff. Interest is typically charged on what you have outstanding. That makes a line the right tool for inventory buys, waiting on receivables, or covering a slow month without opening a new loan every time. It may be secured by receivables, a blanket filing, or other collateral, depending on the profile. We size it to a realistic peak need, not to the largest number someone will quote.
Who this is for
- Businesses with repeating, uneven cash needs
- Owners who are tired of one-off short-term loans
- Companies that want a standby facility before they need it
- Operators managing inventory and receivables in a cycle
What it typically covers
- Revolving access up to an approved limit
- Draws for operations, inventory, and timing gaps
- Repayment and re-borrowing as cash comes in
- A facility that stays in place until it is renewed or called
A simple example
You draw $40,000 to take a supplier discount, collect from customers three weeks later, pay the line down, and it is ready for the next cycle. A term loan cannot do that without a new closing.
Good to know
- A line is not free money. Unused fees and cleanup provisions exist on some facilities.
- If the need is a one-time purchase, a term loan is usually cleaner.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
Working capital vs. a business line of credit
A lump sum for a defined gap, or a reusable facility you draw and repay. Which one matches the cash-flow problem.
Read guide