Business Line of Credit

Access cash on-hand, whenever you need it Larger Credit Lines, Lower Rates, Faster, Easier Process Make Quick, Sudden Purchases, Only Pay for What You Use
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Business Line of Credit: Requirements 

Months in Business

3+ Months in Business

We fund all businesses, from growing startups, to local giants, and everything in between.

Months in Business

$120,000 in Annual Gross Sales

Whether you do $120K or $12 million in a year, we have your back!

No Minimum Credit Score Required

No Minimum Credit Score

You don’t need squeaky-clean credit to qualify—we have options for all credit profiles.

Business Line of Credit: Benefits 


TRUE Line of Credit

Get cash on hand, and draw more whenever you need it.

business line of credit payments

Pay As You Go

Never over-borrow—
only pay for what you take.

access to business line of credit

Immediate Access 

Seize new opportunities or cover expenses now.

We’ve Secured Over $1 Billion in Funding Through Our Exclusive Marketplace

No Collateral Business Line of Credit

Don’t risk your real estate if you don’t have to. Learn how you can access an unsecured line of credit to grow your business—without putting up collateral!

Best Business Line of Credit Rates

Months in Business

Line Amount $10,000 – $5Mil

Months in Business

Flexible Terms 6 Months – 10 Years

No Minimum Credit Score Required

Time to Fund 1 – 3 Days

How Can You Use Your Business Line of Credit?

There are no restrictions—use your capital to pursue any opportunity or overcome any challenge! 

Business Growth

Buy new equipment or inventory, hire new staff, or prepare for seasonal changes.

Business Expenses

Get extra working capital to manage payroll, bridge gaps in cash flow, or pay bills.

Business Opportunities

Expand or open a second location, take on more clients, or capitalize on bulk order discounts.

What is a Business Line of Credit?

What is a Business Line of Credit?

A Business Line of Credit gives you the flexibility to access needed funds quickly and conveniently. It’s a financing option that’s tailored to your business’s needs, while allowing you to cover any expense that might arise. One of the key benefits is that you only pay for what you use. This means you only get charged based on the amount you draw from your line of credit, rather than the entire amount that you’re approved for. There are many unsecured business line of credit options available, meaning that you don’t need to put collateral down to get funding.

You can draw as much as they want from your credit line as frequently as you want, up to a maximum predetermined amount. At National, we offer true revolving lines of credit. Unlike other options on the market, as you make payments on the amount you draw, the money will again become available. Even if you don’t immediately need funding, a Business Line of Credit can help you handle unexpected emergencies and tackle new opportunities. With a business line of credit, you are only charged interest on the amount you use, not the entire available amount.

Why National Business Capital & Services?
  • Flexible Payments
  • Flexible Terms
  • No Collateral Needed
  • 90% Approval Rate

10 Reasons Why National Business Capital & Services Offers the Best Business Lines of Credit

 BankDirect Lenderstable-logo
Paperwork – 2-3 Years Tax Return
– 2-3 years Financials
– 3-6 Months Bank Statements
– 1 Year Tax Return
– 1 year Financials
– 3 Months Bank Statements
– No Tax Returns Required
Application – Lengthy
– Paper Intensive
Multi-page Paper
– One page – One Minute
– DocuSign®
Number of Lenders 1 1 75+
Service Level Processor Programmatic Personal Advisor
Approval Process Weeks/Months Days/Weeks Hours/Days
Speed to Funding Months Days/Weeks Hours/Days
Collateral Requirements Always Sometimes Required Not Necessary
Business Profitability Always Sometimes Required Not Necessary
Credit Score 680+FICO 600+FICO No Minimum FICO
Credit Check Hard Pull Hard Pull Soft Pull

Why Choose Us for a Business Line of Credit?

Better Terms. Faster Funding. Easier Process.

National Business Capital & Services is the #1 FinTech marketplace offering small business loans and services. Harnessing the power of smart technology and even smarter people, we’ve streamlined the approval process to secure over $1 billion in financing for small business owners to date. Our expert Business Financing Advisors work within our 75+ Lender Marketplace in real time to give you easy access to the best low-interest SBA loans, short and long-term loans and business lines of credit, as well as a full suite of revenue-driving business services. We strengthen local communities one small business loan at a time. For every deal we fund, we donate 10 meals to Feeding America!

Business Line of Credit Calculator

Loan Amount
Term Options in Months
Interest Rate in %
Estimated Monthly

This calculator tool is provided for your convenience only. Numbers generated by the calculator do not guarantee the availability or approval of any loan or any specific loan terms. Although National makes an effort to ensure that the calculator is accurate, NBC does not guarantee or make any express or implied representations concerning the accuracy of the numbers generated by this calculator. NBC shall not be liable for any decisions made using this calculator.