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Paying for Groceries

A flexible loan that you can access as needed to borrow up to a certain amount over time.

A line of credit allows you to borrow funds for planned and unexpected expenses with a low rate. The approval process is fast and requires minimal paperwork.

There is no commitment or impact on your credit by applying.


How funding works:


  • A business making more than $20,000 with owner(s) FICO scores above a 600 is provided with a revolving Line of Credit (LOC) at low rates

  • Rate range: 4.8%-24.99%

  • LOC is paid on a consistent predetermined schedule (weekly or monthly)

  • LOC terms are 6, 12, or 18 months

  • More funds are available to draw as the principal is paid down

  • Credit lines up to $250,000

  • Approvals are extremely fast, and the credit limit can increase as long as there is a good repayment history


Rates are based on:


  • Credit score and profile

  • Time in business

  • Monthly revenue

  • Industry


Ask Yourself:


  • Do you have any existing debt on your balance sheet? If yes, what are the balances owed and who are the balances owed to?

  • Do you anticipate needing funding anytime in the next 12 months?

  • What do you intend to do with the funds from a line of credit?


Required documents:


  • 3-6 months of recent bank statements or securely linking the business bank account

  • Application with basic details about the business and merchant

  • Driver’s license

  • Voided check

  • Proof of Address


Good to know:


  • Why not set up a line of credit now for a rainy day, as you won’t be paying anything until you draw from it?

  • Repayment can be made on a weekly or monthly basis

  • Great option for business owners with a 600+ FICO score and grossing at least $20,000 per month

There is no commitment or impact on your credit by applying.

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