Business Line of Credit | Working Capital Loan| Flexible Business Loan
Business Line of Credit

Business Line of Credit

A business line of credit gives small business owners ongoing access to working capital, allowing them to only pay for what they take.

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  • Money icon Amounts ranging from $2,000 to $100,000
  • Money icon Loan terms from 6 months to 5 years
  • Money icon Get your money in as little as 2 days


A line of credit is a flexible short-term financial tool that you can use for a variety of business needs, from working capital to purchasing inventory and more. You draw a line of credit down as needed and repay weekly.

What Is a Business Line of Credit?

A line of credit is a highly flexible financial tool. You draw funds from a line of credit when you need them: That could be as frequently as once a day, but it also could be once a month or even just once a year. There is no additional cost to draw down funds–and no obligation to do so. A line of credit is a financial tool that you can simply keep in your back pocket.

When you do need to draw down your line of credit, Bizfi and its funding partners have made it very easy. You can access your line of credit account at any time of day, any day of the week from any computer, tablet or smartphone, and have the funds you need at your disposal in minutes. You’ll repay the funds you draw down in fixed weekly installments over several months, and as you do, you are building a credit profile for your business, something that can help you qualify for a larger loan down the road.

How Can I Get a Business Line of Credit?

Bizfi has streamlined the application process for all kinds of funding. Thanks to our sophisticated technology, we require very little documentation from applicants. Nearly every industry can qualify for a business line of credit, although you will generally need to be in business for at least a year and meet a minimum monthly sales threshold. You may also need to pledge collateral to secure your business line of credit.

How Can I Use a Business Line of Credit?

You have many options, and unlike a loan, which is generally for one specific purpose, you can use a business line of credit for many different things at once. You can use a business line of credit to purchase inventory or fund construction work on a remodeling. You can use it to close a cash-flow gap when you have a late paying customer. You can use it to smooth out seasonalities in your business. How and when you use a business line of credit is up to you.


  • Only pay interest on funds drawn
  • Credit is available when needed
  • Nearly every industry accepted


  • Must be in business at least 1 year
  • Must meet minimum monthly sales