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Business Line of Credit

A business line of credit, also called a revolving line of credit, is a flexible loan option that operates similarly to a credit card. Borrowers can access funds, pay them back, and access them again as needed. You decide when and how to use the borrowed capital.



Funding Amounts

$10,000 - $500,000


Our Fees

 Draw fees 1% - 3%

Payment Terms

9 - 24 month terms (weekly/monthly)

Funding Time

24-hour decision and same week funds

What is a line of credit?

A business line of credit is a useful tool for businesses to have, regardless of cash flow, to take advantage of unexpected growth or expansion opportunities. It provides a flexible and often low-cost way to cover working capital needs in the short term. A small business line of credit ensures consistent access to funds to manage fluctuations in business expenses and revenues. Instead of a fixed amount of financing, a line of credit allows borrowers to access and repay a certain amount of money repeatedly.

Uses & Benefits

Scenarios where a business line of credit can be beneficial include: seasonal fluctuations, delayed client payments, needing capital for new client or production expenses, and purchasing discounted equipment or inventory.

  • Gives you the flexibility to expand your business when opportunities arise.

  • Offers the working capital you need to pay the bills during a slow period.

  • Meets your financing needs without forcing you to pay interest on the money you’re not using.


Frequently Asked Questions 

  • Do I qualify?
    Our minimum qualifications are: - personal FICO credit score of 500+ - at least 6 months in business - have at least 50% ownership - $15,000 in gross monthly revenue over the last 2 years - services not included in California
  • How can I use my funds?
    There’s no restriction on what you can you use the money for, though we recommend putting the funds towards income multiplying activities. Our customers usually use the funds for: purchasing inventory, payroll financing, equipment financing, marketing campaign funding, business expansion capital.
  • How do I pay back?
    There are multiple options. Depending on your preferences, business type and setup, you can choose between: daily, weekly and monthly ACH payment options, lock box or credit card split payments.
  • Do I need any collateral?
    In some cases, you do not need to provide any collateral when applying through Consolidated. We simply consider your business' overall performance and cash flow. Our goal is to make the funding experience as seamless as possible and to build long standing relationships with the companies we fund.
  • What is the term I can get the money for?
    Depending on your eligibility, you will be able to keep the funds up to 24-months.
  • How fast can I receive the funds?
    Thanks to our quick process, you are able to sign the contract and get funded the same day you submit. Funds will normally reach your account within 24-hours.
  • Who is the right fit?
    Our concierge-style services provide business owners seeking growth capital with access to extensive funding that is unavailable to retail borrowers.
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