Proof, Not Promises
We've Funded Lines of Credit Across Every Industry
$75K LOC for a landscaping company. Opened in August when revenue was strong. Draws $75K every November for winter payroll. Repays by May. Total interest cost: ~$2,800/season. Cost of losing his 4-man crew: $40K+ in rehiring.
Result: $75K LOC → $2,800 interest → crew retained every winter
$100K LOC for a distributor. Instead of factoring invoices at 3% per invoice ($36K/year on $100K/month), she draws from her LOC when cash is tight and repays when customers pay. Saves $28K/year vs factoring.
Result: $100K LOC → $28K/year saved vs factoring
$200K LOC for a dental group. Insurance reimbursements take 60-90 days. LOC bridges the gap between treating patients and getting paid. Draw monthly, repay when reimbursements hit.
Result: $200K LOC → smooth cash flow → no more chasing insurance
$100K LOC for a fleet owner who was paying too much with invoice factoring. Switched to a LOC and cut costs significantly. Keeps 100% of his freight revenue.
Result: $100K LOC → significant savings → owns his revenue
$50K LOC for a taco shop expanding catering. Draws $15K-$20K before each catering event for food and staff, repays within 2 weeks when the catering invoice clears. Only pays interest on what she draws.
Result: $50K LOC → catering revenue doubled → minimal interest
$75K LOC for a shop owner. Parts suppliers want payment in 15 days, customers pay in 30-45. LOC bridges every gap. Draws average $30K at any time, repays as customers pay.
Result: $75K LOC → no more choosing which supplier to pay late
Opened a $100K line when business was good. Drew $40K last winter for payroll — repaid it in 3 months. Total cost was about $1,500. Best insurance policy I've ever bought.
Sarah K.
Wholesale Distributor | Portland, OR
Qualification Estimator
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Estimated Approval Range
Based on 100-150% of monthly revenue
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Full Transparency
The Real Cost of a Line of Credit — No Surprises
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
You have $75K available but only drew $20K for 2 months? You paid $500. That's the power of a line of credit.
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Draw amount, duration, interest cost — calculated in 30 seconds. No signup.
Calculate Your Line of Credit Cost →Side by Side
LOC vs Term Loan vs Working Capital
Bobby's take:
Every business should have a line of credit open before they need one. The worst time to apply is when you're desperate. Open it when your numbers look good, and it's there when you need it. Think of it like insurance — you don't buy homeowner's insurance after the fire.
Bobby Friel
Founder, Basecamp Funding
Looking for a credit facility over $1M? Our commercial team builds capital stacks that combine credit lines, term loans, and equipment financing into one structured package.
Talk to a Commercial Specialist →Fear Removal
Every Objection Answered
How is this different from a credit card?
Business credit cards typically carry higher rates and lower limits than a business LOC. A LOC gives you $10K-$5M with no transaction fees, no rewards markup, and the potential for lower cost per dollar borrowed. It's a real business funding tool, not a consumer product.
What if I draw too much and can't repay?
You control how much you draw. Most business owners use 30-50% of their available line at any given time. We size the line based on your revenue so the payments on a full draw are manageable. And unlike a term loan, you can make partial repayments anytime to reduce your interest cost.
My bank already gave me a small LOC
Most bank LOCs for small businesses cap at $25K-$50K. If that covers your needs, great. But if you need more — or if your bank's line has restrictions on draws, minimum balances, or annual reviews that could reduce your limit — a dedicated business LOC gives you more flexibility and higher limits.
I don't need money right now — why open one?
That's exactly when you should open one. Lenders give better terms when your financials look strong. Opening a LOC when you're desperate means higher rates, lower limits, or denial. Open it now, don't draw, pay nothing. When you need it in 6 months, it's there instantly.
What are the fees beyond interest?
Most LOCs in our network have no annual fee, no draw fee, and no prepayment penalty. Some lenders charge a small origination fee (1-2%) or an annual maintenance fee ($50-$200). We'll break down every fee before you sign anything.
How fast can I draw funds once approved?
Same day. Once your LOC is open and active, draws typically hit your account within hours. Some lenders offer instant draws via their portal. No need to reapply or wait for approval on each draw.
Don’t Wait for Perfect Terms
Business opportunities don’t wait for ideal financing conditions. Many of our lending partners offer a rate review after 6-12 months of on-time payments — meaning your rate and terms can improve once you’ve built a payment history. Lines of credit are renewable by nature. Strong utilization and on-time payments often lead to limit increases and improved terms at your next renewal. Get funded now on terms that work. Optimize later once you’ve proven the relationship.
Ask your funding specialist about rate review options after 6-12 months.
See What You Pre-Qualify For →Simple Process
How a Business Line of Credit Works
Tell us your target credit limit and what you'll use it for
60-second application — no documents yet
70+ lenders review your profile (soft pull only)
Specialist calls with your best LOC offers — rates, limits, terms
Open your line, draw when you need it, repay on your schedule
Right Fit?
Who a Line of Credit Is For — and Who It's Not For
Great Fit
Not the Right Product
Full Transparency
What Kills Your Line of Credit Application
You Likely Qualify If
Red Flags That Cause Denials
Industries
Industries We Fund Lines of Credit For
Pre-Qualify Now
Open Your Line Before You Need It — Pre-Qualify in 60 Seconds
The worst time to apply for a line of credit is when you're desperate for cash. Pre-qualify now while your numbers are strong — and it's there when you need it.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
FAQs
Business Line of Credit FAQs
Business Line of Credit — $10K to $5M+ Revolving, 70+ Lenders, One Application
A line of credit is the most underused tool in small business finance. Most owners don't think about it until cash gets tight — and that's the worst time to apply. Open a line when your revenue is strong, your bank statements look clean, and lenders are competing to give you the best terms. We watch this play out the same way for distillers in Kentucky, dairy operations across Wisconsin, and crab processors throughout Maryland. Then when November hits, or a customer pays 90 days late, or you need to stock up for a big order — draw what you need, repay when you can, and move on. Run the numbers on our line of credit calculator — you'll see why a LOC costs a fraction of what invoice factoring or MCAs charge.
We fund lines of credit for every industry: restaurant owners bridging slow seasons — full-service kitchens, pizza and delivery shops, cafés, bars and nightlife venues, and caterers; wholesalers replacing expensive factoring (consumer goods, electronics, auto parts, building materials); medical groups waiting on insurance reimbursements (dental practices, dermatology clinics, chiropractic offices, physical therapy); trucking companies covering fuel costs between loads — small fleets, hotshot haulers, courier and delivery operators; auto repair shops bridging the gap between parts purchases and customer payments (independent shops, used-car service operations, transmission specialists); med spas funding new treatment programs like laser services and injectables; and contractors smoothing payroll between draws (roofing, painting, landscaping). One 60-second application, soft-pull pre-qual, and a specialist reviews your options within the hour.
A line of credit often funds equipment repairs, vehicle maintenance, and property improvements. If you need commercial coverage for your business assets, our sister company InsuranceService365.com provides business insurance across 29 states.
The Only Risk Is Not Knowing What's Available to You
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