Business lines of credit. Draw when you need it. Pay only what you use.
A business line of credit is the most flexible form of financing available. Draw funds as needed, repay them, and the credit resets. Pay interest only on what you actually use — not the full limit. We match you to lenders offering the most competitive revolving credit for your business.
How Lines of Credit works with Gateway Capital
Submit basic business and financial information. No hard credit pull to start.
We route your profile to lenders who specialize in revolving credit for your business size and industry.
Get approved for a credit limit — then draw funds whenever you need them, directly to your bank account.
Use your line as needed. Repay what you draw. Your available credit resets. You only pay interest on what's outstanding.
Why businesses choose Lines of Credit
Draw, repay, and draw again — your credit limit resets as you repay. It's always there when you need it.
If your limit is $200,000 but you only draw $30,000, you only pay interest on $30,000. The rest sits available.
A line of credit is insurance against cash flow gaps, slow months, and unexpected expenses — without the cost of a full loan.
Once approved, draw funds instantly or within hours. No new application needed for each draw.
Responsible use of a business line of credit helps build your business credit profile for larger loans in the future.
Use for payroll, inventory, marketing, unexpected repairs — whatever your business needs, whenever it needs it.
When to use Lines of Credit
Seasonal Cash Flow
Bridge the gap between slow and busy seasons without depleting reserves.
A landscaping company draws $60,000 in winter to cover payroll and equipment maintenance, then repays it in spring.
Emergency Expenses
Handle unexpected costs without disrupting operations.
A restaurant's walk-in cooler breaks down — they draw $15,000 to replace it the next day.
Payroll Coverage
Ensure payroll is never missed during a slow period or late-paying client.
A staffing agency draws $40,000 to cover payroll while waiting on a 45-day invoice to be paid.
Inventory Opportunities
Jump on a bulk discount or limited inventory opportunity.
A retail store draws $25,000 to snap up discounted inventory from a competitor going out of business.
Marketing Campaigns
Fund a campaign without committing to a full loan for a variable-cost activity.
An e-commerce brand draws $20,000 for a paid ad campaign, repays it within 60 days from resulting revenue.
Project-Based Businesses
Fund the front-end costs of a project before client payment arrives.
A contractor draws $80,000 to purchase materials for a job, repays when the client pays in 60 days.
One 2-minute application. Matched to the best lines of credit lenders for your profile.
Common questions about Lines of Credit
How can a business line of credit help my company?
A line of credit is the most versatile financial tool a small business can have. It solves the fundamental problem that almost every business faces: revenue and expenses don't always align. A line of credit means you can cover payroll when a client pays late, stock up on inventory before a big season, or handle an emergency repair — without having to take out a new loan every time. The revolving structure means it's always available, and you only pay for what you use.
What is the difference between a secured and unsecured line of credit?
A secured line of credit requires collateral — typically business assets, inventory, or accounts receivable — and offers lower rates in exchange. An unsecured line requires no collateral but typically carries a higher rate. Most small business lines of credit in our network are unsecured for amounts under $250,000.
How quickly can I access funds from a line of credit?
Once your line of credit is approved and set up, draws are typically instant or within 24 hours. The approval process itself takes 24–72 hours for most businesses in our network.
Can I get a business line of credit with bad credit?
Yes — many lenders in our network offer lines of credit with scores as low as 550. Strong monthly revenue and time in business are often more important than credit score for line of credit products.
What is the minimum revenue needed for a business line of credit?
Most lenders require at least $15,000/month ($180,000/year) in business revenue. Some alternative lenders will work with lower revenue but at higher rates.
Does a line of credit affect my credit score?
The initial application typically involves a soft credit pull (no impact). Once approved, how you use the line can positively impact your business credit score if you pay on time and keep utilization moderate.
Other funding products
Get matched to Lines of Credit lenders today.
Two minutes to apply. No hard credit pull. Funded in 24 – 72 hours.
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