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Lines of Credit
With a line of credit up to $500K, you can have the flexibility and convenience to manage your cash flow and take advantage of new opportunities.
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A Business Line of Credit (BLOC) is the ultimate financial tool for business owners who need on-demand access to working capital. Whether you're looking to manage cash flow, expand your business, or handle unexpected expenses, a BLOC gives you the power to borrow what you need, when you need it—without paying for unused funds.
At Funderial, we make securing the right Business Line of Credit fast, easy, and stress-free, offering competitive rates, quick approvals, and flexible funding options tailored to your business needs.
A Business Line of Credit is different from a traditional loan because you can borrow, repay, and borrow again—without reapplying. This makes it perfect for:
Open a new location, hire staff, or invest in new equipment.
Keep payroll and expenses covered during slow periods.
Take advantage of bulk discounts and supplier sales.
Stay prepared for unexpected repairs or economic shifts.
Invest in marketing, advertising, or new product launches.
To qualify for a Business Line of Credit with Funderial, your business should meet these basic criteria:
6+ months in business
$50,000 to 100,000+ in annual revenue minimum
A business bank account
550+ FICO score
NO Open bankruptcy's or BK within the last 3 years
If you’re still building your business credit, Funderial can help you explore secured credit-building options to position your business for future financing success.
Getting approved for a Business Line of Credit has never been easier. Just follow these simple steps:
Quick and easy, with no hard credit check required.
We compare multiple options for you.
Access your credit line in as little as 24 hours.
Draw funds as needed and repay to keep your credit line open.
A Business Line of Credit is the smartest way to ensure your business stays financially strong, prepared for growth, and ready to seize new opportunities. Whether you're looking to expand, manage cash flow, or cover unexpected expenses, Funderial is here to help.
Apply today and See how much you qualify for!
$1,000 up to $500,000
Weekly or monthly payments
Same-day to 48-hour funding (for eligible clients)
550+ FICO score required
4.99% to 27% (depending on creditworthiness)
Get the best rates and terms tailored to your business.
Our team helps you find the perfect financing solution.
Capital when you need it most—without the wait.
Transparent pricing and terms, with no surprises.
| Financial Product | Business Term Loans | Business Line of Credit | Revenue Based Financing | SBA Loans |
|---|---|---|---|---|
| What is it? | Lump sum loan repaid over a fixed term with interest | Revolving credit line with a maximum limit | Cash advance based on future credit card sales | Government-backed loan with favorable terms |
| Loan Amount | Higher loan amounts available | Lower credit limits | Variable, based on sales | Variable, can be high |
| Repayment structure | Fixed monthly payments | Minimum monthly payments | Daily/weekly deductions | Fixed or variable |
| Interest Rates | Fixed or variable rates | Variable rates | Factor rates or fees | Generally lower rates |
| Collateral | Often requires collateral | Can be secured or unsecured | Not based on collateral | Typically requires collateral |
| Credit Requirements | Moderate to high credit score needed | Moderate credit score needed | Less emphasis on credit score | Moderate credit score needed |
| Approved Speed | Moderate to lengthy approval process | Faster approval process | Quick approval process | Moderate approval process |
| Usage Flexibility | Flexible use of funds | Flexible use of funds | Flexible use of funds | Restricted use of funds |
| Term Length | 1 to 5+ years | Open-ended, renewable | No fixed term | Varies |
| Application Process | Detailed application process | Less complex application | Simple application | Lengthy application process |
| Fees | Origination fees possible | Annual fees possible | High factor rates/fees | Various fees involved |
| Government Backing | Not government-backed | Not government-backed | Not government-backed | Government guaranteed |
| Suitable for | Large investments, specific projects | Managing cash flow | Immediate funding needs | Startups, expansions |
Company: RJB Counselling Family Services Behavioral Health & Social Service Providers
Testimonial: “Michael Songer is a miracle worker. I originally came to him with less than great credit history. He was able to get me initial working capital and I have now come back for additional expansion funding. Funderial specialist are very professional and get you what you need. I would recommend them to anyone.” - Randolph Bibbs (Owner)
Service providers increase their revenue with additional talent. When you find the right skilled fit, you can get capital to cover training fees, employer-paid moving expenses, hiring bonuses and more. Then, payback the capital at the best rates while enjoying your additional revenue!
Company: Jiffy Mart Foods
Testimonial:
“You guys are very efficient… Awesome! I am very thankful to Funderial for always being there for me and my business. They have been helping me for the last few years and I know I can count on them whenever I have a need for quick capital.
Their process is efficient and reliable. Daniel took care of my business in a very professional, consultative manner. I am a customer for life. Thank you Funderial!” - Jeffrey Sagar (Owner)
When the busy season hits for retailers, you want to expand your inventory to keep up with new demand. Instead of empty shelves, you can get cash now to stock up and provide the products your customers desire. Get capital at the best rates today and repay with your new revenue.
Company: B.J.'S EVERLASTING OILS, INC
Testimonial: “Working with Funderial was easy as 1,2,3. Friendly staff very professional. I would reccomend for all your business needs.”
For business owners, time is money. You earn and keep customers with your reliability, efficiency, and professionalism. When you need funding, work with a partner that can match your talent. If you know what you need, we’ll get you what you want at the best rates and speed in the industry. If you don’t know what you need yet, we’ll work with you to find the best financing solutions for you!
Getting a quote is easy as 1, 2, 3! Just choose your funding amount, preferred terms then make lenders compete for the best rates and terms by choosing from available discounts and negotiation tools.
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4. Negotiator Tool
Inquire now on how to qualify for up to $5,000,000
855-FUNDING