Credit Line
Up to $750K
How It Works
- Revolving Credit Facility
- Interest Only on Draws
- Approved in 1-3 Business Days
WHAT DO YOU NEED TO QUALIFY?
650+ Credit Score
Preferred minimum of 650 FICO. Higher scores unlock larger credit limits and better terms.
12+ Months in Business
Established businesses with at least one year of operating history qualify for revolving credit programs.
$10K+ Monthly Revenue
Demonstrate $10,000 or more in monthly gross revenue. Your credit limit scales with your revenue.
A TRUSTED PARTNER
$50M+
Credit Lines Extended
500+
Businesses Served
1-3 Day
Approval Speed
HOMESTEAD BUSINESS CREDIT LINES
A line of credit gives you capital on demand — draw what you need, when you need it, and only pay for what you use.
Revolving Access
Draw, repay, draw again.
Credit replenishes automatically.
Always available capital.
Pay Only What You Use
Interest on draws only.
Unused credit costs nothing.
Maximum flexibility.
1-3 Day Approval
Fast underwriting process.
Same-day draw capability.
Capital when you need it.
Scales With Revenue
Limit grows with you.
Revenue increase = higher line.
Grows as you grow.
WHO WE SERVE
From seasonal retailers to growing practices — a line of credit gives you the financial flexibility to handle whatever your business throws at you.
Seasonal Businesses
Revenue peaks and valleys make fixed loan payments dangerous. You need capital during slow months and the ability to pay it back fast when business picks up.
E-Commerce Sellers
Inventory purchases, ad spend spikes, and supplier payment terms don't align with your revenue cycle. You need flexible capital that moves as fast as your sales.
Professional Services
Client payment cycles of 30-90 days create cash flow gaps between delivering work and getting paid. A credit line bridges the gap without taking on fixed debt.
Contractors
Material costs hit before progress payments arrive. You need to fund payroll and supplies at the start of every job while waiting 30-60 days for the first draw.
Healthcare Practices
Insurance reimbursements take 30-90 days while staff payroll, supplies, and lease payments are due now. A credit line smooths the gap between care delivered and payment received.
Wholesale & Distribution
Bulk inventory purchases require large upfront capital, but your customers pay on net-30 or net-60 terms. You need bridge capital that doesn't lock you into fixed payments.
WHY FIXED LOANS DON'T FIT EVERY BUSINESS
Not every capital need is predictable. Fixed loans force you to borrow a lump sum and pay interest on the full amount — even when you only need a fraction of it.
Paying for Capital You Don't Need
A $200K term loan means paying interest on $200K from day one — even if you only need $30K this month. You're paying for money sitting in your account doing nothing.
One-Time Access, Then Gone
Term loans give you capital once. When a new opportunity hits next quarter, you need to apply all over again — more paperwork, more waiting, more uncertainty.
Fixed Payments in Variable Revenue
Your revenue fluctuates but fixed loan payments don't. In slow months, those payments strain cash flow. In strong months, you can't draw more capital without a new application.
Credit Cards Are Expensive
Business credit cards charge 18-high interest rates. Using them as a line of credit costs 3-5x more than a proper business credit line — and the limits are too low for real capital needs.
WHAT BUSINESSES USE CREDIT LINES FOR
Flexible capital deployed exactly when and where your business needs it.
Cash Flow Gaps
Bridge the gap between delivering work and receiving payment. Cover payroll and operations while waiting on receivables.
Inventory Purchases
Take advantage of volume discounts and seasonal stocking opportunities without depleting operating cash.
Growth Opportunities
When a time-sensitive opportunity appears, draw capital instantly. No new applications, no waiting for approval.
Marketing Spend
Scale ad spend during peak seasons and pull back during slow periods. Pay interest only during active campaigns.
Payroll Coverage
Cover payroll during revenue gaps without missing a pay cycle. Draw what you need, repay when receivables land.
Emergency Reserve
Have capital available for unexpected expenses — equipment failures, supply chain disruptions, or urgent repairs — without scrambling for financing.
Frequently Asked Questions
GET YOUR CREDIT LINE STARTED
650+ credit score? $10K+ monthly revenue? See your credit limit in minutes.
Terms and rates are subject to lender approval and may vary based on creditworthiness and business qualifications. Financing is provided through our lending partner network. All terms are fully disclosed in the lender's agreement.