BUSINESS LINE OF CREDIT

For Your Small Business

Same day funding
Finance $10,000 to $5 million
Terms from 6 months to 10 years

Get Started Today

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WHAT IS A BUSINESS LINE OF CREDIT?

A business line of credit is a flexible financing option that allows businesses to borrow funds as needed, similar to a credit card. Interest is paid only on the borrowed amount, and funds can be used for various purposes like managing cash flow or covering unexpected expenses. Once repaid, the credit becomes available again, making it a revolving form of credit that can be accessed repeatedly.

PAY ONLY ON WHAT YOU BORROW

Withdraw what you need, when you need it. You’ll only be charged interest on the funds you draw.

SIMPLE, INSTANT FUNDING

Our Fintech Speed can get you in and out of Underwriting in just a few hours, and same day funding!

LARGER AMOUNTS

Get matched with the best financing options with the highest funding amounts.

FLEXIBLE FUNDING

We offer extended lines of credits going up to $5,000,000 for your flexibility.

WHAT DO YOU NEED TO QUALIFY?

6+ Months in Business

You can qualify for our top financing options with as little as 6+ months in business.

$10,000+ Monthly Gross Sales

The minimum revenue to qualify for financing options are $10,000 per month, or $120,000 in annual gross sales.

600 FICO Score

We have financing options for all credit profiles. The minimum FICO score required to apply is 600.

WINCHESTER FUNDING SOLUTIONS

Fast & Hassle-Free Loan Process

We simplify the loan application process, ensuring quick approvals and minimal paperwork, so you can focus on growing your business without delays.

Customized Loan Solutions

Every business is unique, and so are its financial needs. We tailor loan options to fit your specific goals, whether it's expansion, equipment purchase, or working capital.

Competitive Rates & Flexible Terms

We work with a wide range of lenders to secure the best interest rates and repayment terms, ensuring you get the most cost-effective financing solution.

Expert Guidance & Support

Our team of experienced loan brokers is here to guide you every step of the way, answering your questions and helping you make the best financial decision for your business.

Getting started is easy

STEP 1. APPLY ONLINE

Secure an instant pre-approval. Our application process is straightforward and can be completed in seconds.

STEP 2. REVIEW OPTIONS

Your personal loan advisor will discuss finance options available with you for your business.

STEP 3. RECEIVE YOUR FUNDS

Finish the online application process and receive your funds in as little as 24 hours.

Frequently Asked Questions

WHAT ARE THE BENEFITS OF A BUSINESS LINE OF CREDIT?

A business line of credit can have many benefits, including flexibility - You can use a business line of credit for a variety of purposes, such as: purchasing inventory, covering payroll, investing in marketing, and jump starting growth initiatives; cash flow management - A business line of credit can help you manage cash flow and balance business cycles. You can use it to cover short-term financial needs, such as unexpected expenses or when customers are slow to pay; flexible repayment terms - You can often pay the minimum amount due during a slow month; interest is only paid on the amount used - You only pay interest on the portion of the credit you use, plus fees; and fast turnaround - Funds are available as soon as eligibility is approved.

WHY GET A BUSINESS LINE OF CREDIT?

Sometimes you may want your business to access funds when it needs them most or when the demands for working capital increase without having to always apply for a loan when needs arise.

HOW DOES A BUSINESS LINE OF CREDIT WORK?

A business line of credit allows you to easily access an already established amount of funds to use as the need arises. As you repay, funds continue to become available as long as you don’t exceed your credit limit. Interest is only charged on the amount of funds used at a particular time, and not on the full line of credit amount. All payments and interest are based on any active balance carried on the line of credit.

WHAT IS THE BEST BUSINESS LINE OF CREDIT?

Alternative lenders tend to offer the best business lines of credit available on the market. When searching for the best business line of credit it’s important to find options that feature: fast process, access to a wide variety of lending options, a true revolving line – access to additional funds once you begin to pay back the line, ongoing access to the line to be used to assist with cash-flow in times of opportunity and emergency, and better rates and terms that meet your business needs. To learn more about what is considered to be the best business line of credit options available today, complete our 15-second application and speak with a business financing advisor to weigh your options.

Whether you’re a small business owner seeking capital or a financial institution looking to scale your lending, our funding solutions will help you bridge the gap between where you are and where you want to be.