A Business Line of Credit (LOC) is one of the most flexible and reliable funding options available for small and medium-sized businesses. It works similarly to a credit card — giving your business access to cash when needed, up to a set credit limit.

You can draw funds anytime and transfer them directly into your business checking account to cover expenses such as payroll, inventory, marketing, or operations. You only pay interest on the funds you actually use, not the entire credit limit. Once you repay what you borrow, your available balance replenishes automatically — giving you ongoing access to working capital.

This revolving credit structure makes a Business Line of Credit perfect for managing cash flow, covering unexpected costs, or funding short-term growth opportunities without having to reapply for new loans.