A small business line of credit online gives you access to the working capital you need when you need it without the obligations of a fixed term loan.

Line of Credit for Small Business.

With a business line of credit, you can draw as much or as little as you need as long as you don’t exceed your credit limit. You have the flexibility to draw and repay as many times as you see fit, as long as your business is performing the same way or better than it was when your line of credit was approved. You’ll only pay a fee on the portion of money you draw.

Apply for alternative business credit from NextGenBuilder® online and get up to $500,000 in funding in just 24 hours.

How Small Business Lines of Credit Online Work

Apply

Gather 3 months of bank statements and other records. For faster approval, grant us secure access to your bank account’s transactional data.

Choose Funding

A Funding Advisor will reach out to you within 1 hour (during regular business hours) to complete your application & discuss your funding options.

Get Funded

Once you and your Funding Advisor determine what funding option works for your business, your funds can be approved and deposited within 24 hours.

Set Repayment

Payments will be automatically deducted from your business’s daily or weekly debit and credit card sales. Payment amounts will be based on your sales.

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Business Line of Credit Online

How to Use a Line of Credit for Small Business

There are no restrictions on how lines of credit for small business can be used. These loans are typically best used to:

  • Fill in cash flow gaps caused by seasonal slowdowns or unexpected expenses

  • Fund growth strategies, new equipment, and other costly purchases that have a strong ROI

  • Finance an expansion, merger, or acquisition

  • Take advantage of seasonal business opportunities such as purchasing inventory in bulk

FAQ about Business Line of Credit

A business line of credit is very flexible and can be used for any business purpose. It’s often used by seasonal businesses to cover operations during slower months, for example.

Yes, you can increase your line of credit after one successful round of funding with us.

Yes, we understand that every client has unique needs. Therefore, we provide personalized tax solutions tailored to meet your specific requirements.

Don’t stress over your credit score — our focus is on your business’s cash flow and potential, so even less-than-perfect credit might be just fine.

A business loan is one big lump sum, but with a line of credit, you draw what you need, when you need it, only paying for what you use.

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