Revolving Line of Credit
The standard structure. Draw, repay, redraw within your approved limit for the life of the line.
- $10K–$500K
- Revolving, 12–24 month renewal
- Prime + 1–5% (variable)
- Best for: recurring needs, seasonal gaps
WESTVALVE FINANCIAL • BUSINESS LINES OF CREDIT
Business Lines of Credit for Small Business.
Revolving access to capital for recurring or unexpected expenses. Draw what you need, repay, redraw — interest only on what you use. No obligation to explore your options.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALLINES OF CREDIT
DRAW, REPAY, REDRAW
Flexible capital, on your terms.
Payroll gaps. Inventory restocks. Seasonal dips. A line of credit gives you capital on standby, without paying for what you don't use.
HOW IT WORKS
Capital that's there when you need it.
A business line of credit works like a credit limit for your company. You draw what you need, pay interest only on the amount you've drawn, and repay to free up the line again. We help you explore options across providers to find the structure that fits your cash flow.
Secured Line of Credit
Backed by business assets or accounts receivable. Often unlocks a larger limit or lower rate.
- $25K–$1M
- Collateral-dependent limit
- Typically lower rate than unsecured
- Best for: asset-rich businesses
Unsecured Line of Credit
No collateral required. Approval is based on revenue, credit, and time in business.
- $10K–$250K
- No collateral required
- Faster approval process
- Best for: businesses without significant assets
SBA Line of Credit (CAPLine)
SBA-backed revolving credit for qualified borrowers. Lower rates, longer availability periods.
- Up to $5M
- Up to 10-year availability
- Prime + 2.25–4.75% (capped)
- Best for: qualified borrowers, larger limits
HOW TO CHOOSE
Match the structure to how you'll use it.
01
Frequent, smaller draws?
Unsecured revolving line — faster approval, no collateral needed.
02
Need a larger limit?
Secured line — pledge assets or receivables for more capital.
03
Have strong financials?
SBA CAPLine — the lowest rates, but the longest approval timeline.
04
Not sure which fits?
Tell us about your business — we'll help you compare options.
REQUIREMENTS
What you need to qualify.
Unsecured Line
- Credit: 600+
- Time in business: 1+ year
- Revenue: $150K+ annually
- Speed: 3-10 days
Secured Line
- Credit: 580+
- Time in business: 6+ months
- Collateral: business assets or AR
- Speed: 5-10 days
SBA CAPLine
- Credit: 680+
- Time in business: 2+ years
- Revenue: Profitable
- Speed: 30-90 days
Documents Needed
- 3-6 months bank statements
- 2 years business tax returns
- YTD profit & loss statement
- Business license or formation docs
INDUSTRIES WE SERVE
Lines of credit for your industry.
Construction
Transportation
Healthcare
Professional Services
Manufacturing
Restaurants
Retail
Seasonal Businesses
Wholesale & Distribution
Technology
Startups
Other U.S. Businesses
GET STARTED
Let's find your line of credit solution.
Tell us about your business and how you plan to use the credit. We'll match you with the right structure and provider — no obligation.
FAQ
Questions about lines of credit.
What is a business line of credit?
A business line of credit is revolving access to capital, similar to a credit card. You're approved for a credit limit, draw what you need, pay interest only on the amount drawn, and can redraw as you repay. It's best for recurring or unpredictable expenses rather than a single large purchase.
How is a line of credit different from a term loan?
A line of credit is revolving — draw, repay, redraw, with interest only on what you use. A term loan is a lump sum disbursed once, repaid on a fixed schedule with interest on the full amount from day one. Lines of credit suit ongoing or seasonal needs; term loans suit one-time, larger investments.
How fast can I get approved for a business line of credit?
Typically 3-10 business days from application to funding, depending on the provider and how quickly you supply documentation. Some alternative providers can move faster; bank-issued lines of credit generally take longer.
What credit score do I need for a business line of credit?
Most providers look for a 600+ personal credit score, though this varies. Strong business revenue and time in business can offset a lower score. Providers with less strict credit requirements typically charge higher rates.
How much can I qualify for on a business line of credit?
Typical ranges run $10K to $500K, depending on your revenue, time in business, and the provider's underwriting criteria. Credit limits are usually reviewed and can increase as you build a payment history with the provider.