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Line of Credit

Business Line Of Credit

Only pay for what you borrow.

A business line of credit is a great way for a small business to have year-round access to immediate funds when they need it. A line of credit works in much the same way as a credit card. You are approved for a certain amount, and you can draw funds any time you need them. You only pay interest on the money that you borrow.


Loan Amount: $5,000 to $500,000
Loan Duration: 12 months


Business lines of credit are for established businesses that meet the following requirements:

  • Minimum of 6 month in business
  • Minimum of $100,000 in annual revenue
  • Established business bank account
  • Business owner with a personal credit score of at least 600

Because Immediate Business Funds makes it easy for businesses to get the financing they need, fast, we only require the following documents:

  • Photo ID (government-issued)
  • Last 3 business bank statements
  • Voided check from business bank account

Business Line Of Credit Frequently Asked Questions

What can I use a business line of credit for?

That’s up to you! Generally a business applies for a line of credit because they experience changes in business throughout the year (seasonal business). When a business knows they’re going to need short-term capital at some point, a business line of credit is a flexible financing solution that acts like a safety net.

How will I repay a business line of credit?

Much like a credit card, you will have a due date and minimum payment for your business line of credit. Funds that are drawn will be assessed an interest rate that will accrue until the balance is repaid. Daily or weekly automatic ACH drafts can be scheduled for your convenience.

How do I qualify?

Like a credit card, a business is qualified for a line of credit based on their time in business, cash flow and revenue, and the business owner’s personal credit score and history. More credit-worthy businesses receive more favorable terms and rates.

Contact Immediate Business Funds today at 855.978.6447 or email support@immediatebusinessfunds.com to learn more about our lines of credit. Or, apply online NOW!

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