Business Line of Credit — $10K to $500K, No Fees

most LOC approvals through our network come back within 24–48 hours.

The 60-second take

A business line of credit is approved once and drawn as needed. Untouched, it costs little or nothing. Drawn, you pay interest only on the outstanding balance, and the credit replenishes as you repay. It's not money for a project — it's insurance against timing.

We route line-of-credit requests to partners who fund draws same-day and don't punish you for leaving the line idle.

The 3 reasons our borrowers most often open a line

1. Payroll bridges. A big receivable lands on the 15th but payroll runs on the 10th. The line covers five days of timing, costs a few dollars in interest, and nobody's paycheck is late.

2. Inventory buys. Your supplier's price breaks at quantity, or a hot SKU is about to go out of stock. Owners who can draw $40K today buy better than owners who can't.

3. Vendor discounts. "2/10 net 30" is a 36% annualized return for paying 20 days early. A line of credit priced below that turns your payables into profit.

Who it's right for

Businesses with revenue that swings month to month — retail, restaurants, contractors, ecommerce
Owners who've been floating gaps on a personal card and want to stop
Anyone who wants approved capital sitting ready before the need shows up

Typical 2026 terms through our network


Amount	$10,000 – $500,000
Rates	Interest only on drawn funds; pricing varies by profile
Structure	Revolving — repay and redraw
Speed	24–48 hour approvals · same-day draws
Maintenance	No-draw fees rare among our partners

What you'll want ready when you apply

Three to four months of business bank statements, EIN, and ID. That's genuinely it for most approvals under $250K — line-of-credit underwriting is bank-statement driven.

Why borrow this through No Fee Funding

No fees to you. No origination points, no broker fee — we're paid by the lender. Vetted partners. We screen out lenders with junk draw fees and surprise repricing. Track record. 50,000+ businesses funded, $5B+ facilitated, since 2007.

See your Business Line of Credit options — no fee, no credit impact to prequalify.Apply Now

Frequently asked questions

Does an unused line cost me anything?

With most of our partners, no — you pay when you draw. We specifically avoid lenders that charge heavy inactivity fees.

How is this different from a business credit card?

Lines fund cash to your bank account (payroll, rent, vendors who don't take cards) and typically carry higher limits at lower rates on drawn balances.

Will my limit grow?

Usually, yes. Partners commonly review after 3–6 months of clean repayment and raise limits.

What score do I need?

Approvals commonly start around 600–620 with consistent revenue; better profiles price better.

Business Lines of Credit — Draw What You Need, Pay Interest Only on What You Use