Business Line of Credit
See What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners
70+ vetted lending partners competing for your business
How It Works
How Business Line of Credit Work
Once approved, you get access to a credit line up to your approved limit. Draw any amount, any time. You only pay interest on the amount you've drawn. As you repay, your available balance replenishes - like a revolving door of capital.
Best For
Ideal Use Cases for Business Line of Credit
Real Scenarios
Who Uses Business Line of Credit?
These are the kinds of situations where business line of credit make the most sense.
Covering Gaps Between Client Payments
A marketing agency draws $30K to cover freelancer payments while waiting on a large client invoice due in forty-five days.
Stocking Up on Flash Sale Inventory
An e-commerce retailer draws $20K from their credit line to buy discounted inventory from a supplier running a 48-hour clearance event.
Emergency HVAC Replacement
A dental practice pulls $15K from their line to replace a failed air conditioning system mid-summer without disrupting patient appointments.
Hiring Seasonal Staff
A tax preparation firm draws $25K each January to hire temporary preparers, repaying through the busy season revenue by April.
Bridging a Construction Draw Schedule
A general contractor draws $50K to pay subcontractors while waiting on the next progress payment from the project owner.
Covering a Software Renewal
A logistics company draws $12K to pay an annual enterprise software license rather than depleting their operating account.
Full Transparency
Pros & Cons of Business Line of Credit
We believe in full transparency. Here's what you should know.
✅ Advantages
⚠️ Considerations
What It Actually Costs
Business Line of Credit Pricing - Full Transparency
Interest Rate: 8% - 24% APR (typical range)
Draw and Repayment:
Fees
Origination fees of 0-2% may apply. Annual maintenance fees of $0-$200 with some lenders. No prepayment penalties.
How to Get the Best Rate
Higher monthly revenue and longer time in business qualify you for lower rates and higher limits. A strong bank balance with minimal overdrafts is the #1 factor.
Typical Cost Examples
Rates shown are typical ranges from lenders in our network. Your actual rate depends on revenue, time in business, credit profile, and draw patterns. Lines of credit typically cost less than working capital loans but may take 1-3 days longer to fund.
Full Transparency
Is Business Line of Credit Right for You?
Honest answer. Not every product is the right fit. Here's how to tell.
✅ Good Fit If…
🚫 Consider Something Else If…
Compare
How Business Line of Credit Compare
Side-by-side look at how this product stacks up against alternatives.
Ready?
See What You Qualify For. No Credit Impact.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Industries
Popular in These Industries
Business Line of Credit are a top choice for business owners in these sectors.
Related Products
You Might Also Need
Many businesses combine multiple products to cover different needs.
Working Capital Loans
Need a lump sum fast? Working capital delivers a fixed amount in as little as 24 hours.
Learn More →Term Loans
For larger, planned investments — longer terms and lower payments than a revolving line.
Learn More →SBA Loans
Government-backed loans offer the lowest rates for established businesses willing to wait 30-60 days.
Learn More →Free Tools
Try Our Free Calculators
Estimate costs, compare products, and see what you could qualify for — no email, no signup.
FAQs
Business Line of Credit FAQs
Business Line of Credit - Revolving Capital from 70+ Lenders
A business line of credit from Basecamp Funding's network of 70+ lending partners gives you on-demand access to capital you can draw and repay as needed. Unlike term loans or working capital advances, you only pay interest on what you use. Typical credit limits range from $10K to $500K with APRs from 8% to 24%.
Business owners across construction, healthcare, trucking, restaurants, manufacturing, and every other industry use lines of credit for cash flow management, seasonal expenses, inventory purchases, and unexpected costs. One 60-second application, no hard credit pull, no minimum credit score. Most approvals happen within hours.
“Having a $100K line of credit open before I needed it was the best financial decision I made. Drew $40K for inventory, repaid it in 3 weeks, paid almost nothing in interest.”
Lisa P.
Wholesale Distributor | Portland, OR
The Only Risk Is Not Knowing What's Available to You
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