Pay Only for What You Use
No hard credit pull · Takes 2 minutes
Credit line range
Min. credit score
Time to funding
Revolving access
Tell us your monthly revenue, time in business, and credit range. No hard pull on your credit
We find the line of credit that fits your revenue profile and credit score from our network of vetted lenders.
Once approved, access your credit line whenever you need it. Repay, and the funds replenish. You only pay interest on what you draw.
Most established small businesses qualify. Here is what lenders typically look for:
Most established small businesses qualify. Here is what lenders typically look for:
1 year minimum (2+ years for best rates)
$15,000/month or more
625+ FICO (some lenders accept 580+)
$180,000+ preferred
None for most lenders under $100K
Not required for lines under $150K
As fast as 24–48 hours after approval
$10,000 – $250,000
Check your eligibility in 2 minutes.No hard credit pull.
Check your eligibility in 2 minutes.
No hard credit pull.
A business loan gives you a lump sum upfront that you repay on a fixed schedule. A line of credit gives you access to a pool of funds you can draw from and repay repeatedly like a credit card, but for your business. You only pay interest on what you actually use.
Yes. Once you repay what you have drawn, those funds become available again. This makes a line of credit ideal for managing cash flow gaps, seasonal inventory, or unexpected expenses.
No. Checking your eligibility through Capital Loan Specialist uses a soft credit pull the same type used when you check your own credit. It does not affect your credit score.
Once approved, most lenders fund within 24–48 hours. Some same-day options are available for lines under $50K with strong revenue history.
Yes. Several lenders in our network accept credit scores from 625, and some go as low as 580 for businesses with strong revenue. Your credit score is just one factor; monthly revenue and time in business matter equally.
Almost anything business-related: payroll, inventory, equipment, marketing, bridging seasonal gaps, or covering unexpected expenses. There are no restrictions on use of funds for most lenders.
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Get funded based on daily sales not credit score. Ideal for restaurants, retail, and service businesses.
A lump sum with fixed monthly payments. Best for planned investments and larger purchases
Government-backed loans with the lowest rates available. Best for strong-credit businesses willing to wait 2–4 weeks.
