Access a revolving credit line from $1K to $275K. Draw funds as needed and only pay interest on what you use.
Requirements
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A revolving business line of credit gives you access to a set amount of capital that you can draw from whenever you need it. Unlike a traditional term loan where you receive a lump sum, a line of credit lets you borrow only what you need — and you only pay interest on the amount you use.
As you repay what you've drawn, that credit becomes available again. This revolving structure makes it ideal for managing cash flow gaps, covering unexpected expenses, or seizing time-sensitive business opportunities without reapplying for a new loan each time.
At SRT Agency, our business lines of credit range from $1K to $275K with approval in as fast as 24 hours. There is no hard credit pull to check your options, and funds can be accessed as soon as the same business day.
| Feature | Line of Credit | Term Loan |
|---|---|---|
| Access to Funds | Draw as needed, revolving | One-time lump sum |
| Interest Charged On | Only amount drawn | Full loan amount |
| Best For | Cash flow, recurring expenses | Large one-time purchases |
| Repayment | Flexible, re-borrow as you repay | Fixed monthly payments |
| Amount Range | $1K – $275K | $10K – $1M+ |
A revolving line of credit is a strong fit for businesses that need flexible, on-demand access to working capital. Common use cases include:
What credit score do I need for a business line of credit?
Our standard revolving line of credit requires a minimum credit score of 650. For scores between 500 and 649, we offer alternative funding options — apply to see what you qualify for.
How fast can I get approved?
Most applicants receive a decision within 24 hours. Once approved, funds can be available the same business day.
Can I draw and repay multiple times?
Yes — that's the key advantage of a revolving line of credit. As you repay, the credit becomes available again. You can draw and repay as often as you need throughout the term.
Will applying affect my credit score?
No. Our pre-qualification uses a soft credit check that does not affect your score. A hard pull only occurs if you choose to proceed with a formal offer.