Business Line of Credit

Have the convenience of being able to access cash when your business needs it.

Financing amount available


Get funded in as fast as

24 hours

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Filling out the application only takes 5 minutes

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Merchant Growth products fit the needs of your business

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Once approved, get your funds in as little as 24 hours

What is a Business Line of Credit?

A Business Line of Credit is a revolving credit facility that allows business owners to borrow money with repayment terms that are flexible, and with business owners paying interest only on the amount they have borrowed.

Business Lines of Credit can be an attractive financing option for small businesses because they offer the potential for lower interest rates and more flexible repayment terms. Also, they can be an invaluable source of funding for businesses that need quick access to cash or have irregular business cash flow.

How does a Business Line of Credit work?

The Line of Credit gives businesses the freedom to access capital when they need it, repay it when they want to, and borrow again.

Unlike a business credit card or loans, a Line of Credit is a financing option that offers favorable interest rates and you only pay interest on what you withdraw, so minimum monthly payments can be easily handled in stride.

What can you use your Line of Credit for?

Providing flexible access to cash with a lower initial commitment than a business loan, Business Lines of Credit are a valuable tool for clients who want access to capital without the hindrance of business loans or business credit cards with high interest rates. 

Credit lines are a good auxiliary product for a business owner who already uses our Fixed financing product. With access to revolving credit, business owners use their available funds to respond to virtually any business expense, ranging from lump sum payments for inventory purchases to additional working capital for unexpected business expenses, new equipment and much more.

Small business funding minimum requirements

Merchant Growth offers small business funding options with minimum eligibility and credit approval requirements:



Monthly Revenue

$ 10K

Time in Business

6 months

How does it work?


Complete Application

You can choose to give some details either through the online application or over the phone, and it will only take you 5 minutes.


Review Options

Our team will reach out and work with you to determine the best solution.


Get Funds

Receive your funds in as fast as 24hrs after approval.

Apply for a Business Line of Credit online

Complete our online application and we’ll contact you to present financing options tailored to your business needs.