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Lines of Credit

A safety net that only costs when you use it.

Get approved once, then draw down whenever you need to — same day. Repay, and the room opens back up. Interest only ever applies to what you've actually drawn. It's the flexibility of cash with the discipline of a facility.

$3M–$50MCredit limit
Same-dayDraws
Pay-per-useOnly on drawn balance
RevolvingRepay & re-draw
Why a line

For the needs you can't schedule.

Some costs don't send a calendar invite — a supplier discount that expires Friday, a machine that breaks on a Tuesday, an invoice that pays late. A line of credit means the money's already there. You just decide when to reach for it.

  • Approved once — draw anytime, no re-application
  • Interest only on what you draw, when you draw it
  • Repay early to free the limit back up
  • Perfect for smoothing seasonal or lumpy cash flow

Line vs. loan

Line of CreditTerm Loan
AccessDraw anytimeLump sum once
CostOn drawn balanceOn full amount
Best forRecurring, unpredictableOne defined project
ReuseRevolvingOne-time
Start an application ↗

A line you set up before you need it.

Approved once, drawn only when you need it. Worth understanding properly before you commit.