Financing
Business line of credit
Draw what you need, pay for what you use
A revolving limit you can pull from whenever you need it. Nothing drawn means nothing owed, and repaid balances free the limit back up for the next gap.
At a glance
- Amount
- $10,000 – $250,000
- Term
- Revolving, 6 – 12 month draw periods
- Speed
- Approved once, draws land same day
- Cost
- Interest on the drawn balance only
Best for: Recurring gaps: payroll weeks, inventory cycles, slow receivables
Eligibility
Who qualifies
| Criteria | What we typically look for |
|---|---|
| Time in business | Typically 6–12 months |
| Personal credit | Typically 600+ |
| Monthly revenue | Typically $10K–$20K+ |
| Bank activity | Steady deposits, few NSFs |
Pricing
What it costs
You pay interest or a fee only on the amount you draw, not on the full limit.
Draw fees and maintenance fees vary by lender and are disclosed in writing before you sign.
How it works
How business line of credit works with Fuse
Apply once and get approved for a total limit.
Request a draw from your dashboard or by calling your specialist.
Interest accrues only on the outstanding balance.
Repay on schedule and the limit replenishes.
What you need
- 6+ months in business
- $15,000+ monthly revenue
- 600+ FICO preferred
- Consistent deposit history
A good fit when
- Your cash gaps are recurring, not one-time
- You want capital standing by before you need it
- You prefer paying only for what you draw
Probably not when
- You need one large lump sum immediately
- You want the longest possible repayment runway
- Your account frequently runs negative
Questions
Business line of credit FAQs
How is a line of credit different from a cash advance?
A line is revolving credit: you draw what you need and pay interest or fees only on the balance. A cash advance is a one-time purchase of future receivables with a fixed payback.
Can I get one with bad credit?
Lines typically need 600+ personal credit. Below that, a working capital loan or advance may be the more realistic option, and we will say so.
Can a new business qualify?
Typically you need 6–12 months in business with steady deposits. Younger businesses are usually better matched to other products.
How much can I get?
Limits are set by your revenue, deposit history and credit. Your offer will show the exact limit before you sign.
How do repayments work?
You repay what you drew, plus interest or fees, on a weekly or monthly schedule. As you repay, that amount becomes available to draw again.
Can I have a line and a cash advance at the same time?
Sometimes. Some lenders allow it, others do not. We will look at whether the combined payments fit your cash flow first.
Is there a fee if I never draw?
No draw, no interest. Some lines carry a small monthly maintenance fee, which is disclosed on your offer before you sign.
How fast do draws arrive?
Draw requests submitted before mid-afternoon typically hit your account the same business day.
Related reading
Keep reading
Other options
Not quite the right tool?
We place six products. If another one fits your situation better, we will say so.
Working capital, without the waiting room
One short application, three bank statements, and a decision the same business day. Applying will not affect your credit score.