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Cash Flow Business Line of Credit

A business line of credit isn’t just for cash flow gaps. It’s a flexible tool for fueling growth and seizing opportunities.

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Key Highlights
Fast and flexible funding
Funding Amount
$100K to $10M
Revolving
Draw funds as needed
Time to Fund
24 to 48 hours
Flexible capital you control
What is a business line of credit?

A business line of credit gives you flexible access to capital whenever you need it. Unlike a loan, it’s a revolving credit line, meaning you can withdraw funds as needed and only pay interest on what you use. More cash becomes available as you pay down your balance, keeping your business financially agile.

For example, if you have a $500,000 credit line but withdraw just $100,000, you only pay interest on that $100,000.

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How does it work?
Business capital
on demand

A business credit line functions more like a credit card than other types of term loans, giving you ongoing access to capital.

After qualifying, you’ll receive a total credit limit and can transfer any amount you need from your credit line to your business bank account for quick business funding.

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Get approved

Secure a credit line based on your business revenue.

Withdraw what you need

Access funds anytime, in any amount.

Pay for what you use

Interest applies only to withdrawn funds.

Replenish & repeat

Repay and access more capital as needed.

Business line of credit vs Cash flow financing

What’s the difference between a line of credit vs cash flow financing? Here’s a quick breakdown:

feature
feature business line of credit Cash Flow financing
Type Revolving credit Lump sum funding
Type
feature: Type
business line of credit: Revolving credit
Cash Flow financing: Lump sum funding
Payments Weekly and monthly Weekly and monthly
Payments
feature: Payments
business line of credit: Weekly and monthly
Cash Flow financing: Weekly and monthly
Flexibility Withdraw as needed Fixed funding, flexible repayment
Flexibility
feature: Flexibility
business line of credit: Withdraw as needed
Cash Flow financing: Fixed funding, flexible repayment
Cost Interest only on outstanding amount Flat cost, no prepayment penalties
Cost
feature: Cost
business line of credit: Interest only on outstanding amount
Cash Flow financing: Flat cost, no prepayment penalties
What’s the difference?
Unsecured vs secured lines of credit

Collateral can be real estate, equipment, inventory, accounts receivable, or other tangible business assets. But, if you don’t want to pledge your assets, there are other options available.

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  • Eligibility based on cash flow and revenue, no collateral required
  • Credit limit based on revenue performance and trends
  • Faster processing
  • Higher interest rates

  • Requires business or personal assets as collateral (e.g., equipment, property, accounts receivable)
  • Credit limit based on the value of pledged assets
  • Longer approval timelines due to asset verification
  • Typically lower interest rates
Claudine Orlian
Owner, Beyond Beauty Basics, LLC

Funds as you need them, when you need them

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your eligibility
Have these two?
You’re set

Your performance and potential are how we determine if you’re a good fit for a business line of credit. Check these two boxes and you’re on track for approval.

  • 1+ year in business
  • $500,000+ in annual revenue
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Not a match? Check out your other options

What do I need to PROVIDE?
Required documents

Have this information on hand and you’re all set.

Funding Under 150K

  • Business formation documents
  • Bank statements (6 months)

Funding Over 150K

  • Business formation documents
  • Bank statements (6 months)
  • Business tax returns
  • Financial statements
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FAQs

Not at all, especially with small business lenders and private credit lenders like National Business Capital. While traditional banks have strict criteria, National Business Capital evaluates your business potential, cash flow, and revenue – helping you qualify faster.

Yes! LLCs, corporations, and partnerships can all qualify for a business line of credit.

A $100,000 credit line means you can borrow any amount up to your limit. Withdraw $25,000? You only pay interest on that, nothing more.

A business line of credit is best used when:
• You want quick access to capital for unexpected opportunities or expenses.
• You’re scaling operations and need flexibility without long-term debt.
• You have seasonal cash flow fluctuations and need a buffer.

• Construction: Cover upfront project costs and manage cash flow between receivables.
• Wholesale & Distribution: Stock up on inventory before peak demand.
• Transportation & Logistics: Cover fuel, repairs, and fleet expansions.
• Manufacturing: Invest in equipment upgrades and raw materials without cash strain.

Let’s talk funding
Get the capital you need to grow your business

Ready to take the next step? Let’s get you funded.

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