Lines of Credit
An unsecured line of credit, ready when you are.
Draw cash on demand to cover gaps, seize opportunities, or keep a cushion on hand — and pay simple interest only on what you actually use.
Draw cash on demand to cover gaps, seize opportunities, or keep a cushion on hand — and pay simple interest only on what you actually use.
A line of credit is the most flexible financing most owners can access. Your funds sit on standby — withdraw to your bank account whenever you need them, repay, and redraw as the balance comes down. No lump-sum pressure, and no paying interest on money you aren't using.
A loan hands you a lump sum and charges interest on all of it from day one. A line of credit gives you a limit you can draw against whenever you need to — and you only pay interest on what you've actually drawn. Pay it down and that credit becomes available again.
No. Prequalification uses a soft credit pull, which has no impact on your score. A hard pull only happens later, with your consent, if you decide to move forward.
Once you're approved and the line is set up, draws can reach your account the same day. Initial approval is typically quick when your recent bank statements are in order.
No — this line of credit is unsecured, so it isn't tied to your home or specific collateral. If you do own a home with equity, a business-purpose HELOC can be even cheaper — ask us to compare the two for your situation.
See what you qualify for in five minutes — soft credit pull, no obligation.
