Top Business Line of Credit Lenders
Access to working capital shouldn’t be complicated. Whether you’re a small business owner looking to smooth out cash flow or a business loan broker helping clients secure fast, flexible funding, this page is your go-to resource.
We’ve gathered a carefully vetted list of the top business line of credit lenders in 2025. These lenders offer revolving credit lines ranging from $2,000 to $750,000 tailored for a wide range of industries, credit profiles, and growth stages. No fluff, just lenders who fund.
How a Business Line of Credit Works (And Why It’s Popular)
A business line of credit is a revolving account that lets you borrow only what you need, when you need it. Draw funds as needed, repay over time, and reuse the line without reapplying. It's one of the most flexible forms of financing available today.
Whether your client needs $10K to bridge a cash gap or you’re a business owner preparing for seasonal swings, this tool offers unmatched agility.
Types of Credit Lines:
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Secured: Backed by assets. Great for lower rates and higher limits.
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Unsecured: Based on business performance. Fast, flexible, and easier to access online.
This is not an endorsement for these companies, so please perform your due diligence before working with them.
Advertising Disclosure
American Express
Pay only for what you borrow
If approved for a business line of credit with American Express, use what you need, when you need it. Pay fees only on the amount you use.
In order for your application to be approved, you must meet the minimum criteria, including but not limited to:
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Be at least 18 years of age
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Have started your business at least a year ago
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Have a FICO score of at least 640 at time of application
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Have an average monthly revenue of at least $3,000
Term length options
6-, 12-, or 18-month loan term options with flexible monthly fees.
Quick application
Apply online in minutes and connect your business accounts, and we'll look at your financial info in real-time to give you a decision.
Apply Today
ARF Financial
The ARF Financial BANKROLL, The Ultimate Revolving Line of Credit!
Bankroll addresses the #1 concern of business owners everywhere who require the flexibility to access capital at a moment’s notice while keeping their cash flow stable.
They do this by providing the highest approvals (up to $1,000,000), a fixed loan term (up to 36 months), and a fixed weekly payment, PLUS the flexibility to pay down or borrow additional funds on an unlimited basis! You decide when you want to borrow, how much you want to borrow, the amount of your payment, and how long to keep the line open.
You are in complete control based upon your business’s unique needs that may change over time. And, Bankroll provides early payoff without penalty anytime during the loan!
ARF Financial LLC is a California licensed lender that sources business loans and lines of credit for restaurant and retail merchants in all 50 states. Since 2001, we have filled the void between traditional bank financing and less attractive venues of obtaining capital, like cash advances and taking on equity partners.
Backd Business Funding
Gives You Access to Funds When You Need It
Get instant access to revolving credit with competitive terms, and the best rates for your business.
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Draw funds at any time and use in any way you like
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Amounts from $10K - $750K
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Unlimited terms and incredible rates
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Soft credit pull that won't affect your credit score
Draw Funds
Access your funds through our dashboard and track your draws and payments.
Make Payments
Repay weekly in 6 months or 12 months.
Get More Funds
Your credit automatically reloads as you pay your balance.
Quickbooks Capital
Fast, flexible business funding
You decide when and how to use it—draw cash or get advances on your eligible unpaid invoices.
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Applying won’t impact your personal credit score.
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You won’t pay origination fees, late fees, or prepayment penalties.
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Apply right in QuickBooks, have a decision in a few short minutes, and see your cash fast.
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Get a credit limit from $1,000–$50,000, and only pay interest on the amount you use.
To become eligible for funding through QuickBooks, you’ll first need to subscribe to QuickBooks Online.
Bluevine
Apply online for a business line of credit from Bluevine and get the flexibility of a revolving line of credit. Draw as you need and pay only for what you use.
Bluevine offers:
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Credit lines up to$250,000
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Rates as low as 4.8%
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Approvals as fast as 5 minutes
Funds available on demand
Enjoy peace of mind by having money available for any business expense. Draw funds with a click of a button.
Only pay for what you use
No fees to open or maintain your line. No prepayment fees, monthly maintenance fees, or account closure fees.
Financing that grows with you
Bluevine supports your business growth by getting you the right credit line for your business size at any stage.
Fundbox
Fundbox offers Revolving lines of credit for businesses like yours.
Move fast, confidently - Apply and you can get a credit decision in minutes. Funds transfer as soon as the next business day.
We keep it simple - Draw from your dashboard. Funds arrive in your business checking account. We’re here to help if you need us.
You’re in control - No prepayment penalty. Always see your payment total before you commit. No confusing language.
Apply in two easy steps
Give Fundbox a look inside your business to get a quick credit decision.
First, share some basic information about your company.
Second, connect business accounts like your bank account and accounting software.
Fundbox does not store your login credentials and applying will not affect your credit.
You’ll pay in equal installments over the course of your 12 or 24 week plan. Your available credit replenishes as you pay. There's no penalty to repay Fundbox early.
Headway Capital
True Line of Credit for Your Business
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Easy Application - See if you qualify in minutes.
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Fast Funding - Money as soon as tomorrow.
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Save on Interest - No prepayment penalties.
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Longer Payment - Repay over 12 – 24 months.
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Flexible Schedule - Choose from weekly and monthly repayment options
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Revolving Credit - Draw when you need and pay interest only on funds drawn.
Public Company
Headway Capital is part of Enova International (NYSE: ENVA), a publicly traded company that has serviced more than 5 million consumers since 2004.
OnDeck
Access cash when you need it, with a Line of Credit from OnDeck.
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Revolving lines of credit from $6K-$100K
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12-month repayment term, resets after each withdrawal
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Automatic weekly payments
Instant Funding: Get money in your account within seconds every time you make a withdrawal—24/7, even on nights and weekends.*
Only pay for what you borrow: Withdraw what you need, when you need it. And pay interest just on the financing you use.
A consolidated payment for all withdrawals: Make one weekly payment on all withdrawals, avoiding the headache of multiple payment schedules.
Business credit building: Help build your business’s credit by making on-time payments, which we report to the credit bureau.
Transparent pricing: Use our SMART Box® Capital Comparison Tool to get a comprehensive breakdown of your line of credit’s cost—including all the key terms you need to evaluate potential loan offers.
Min Requirements:
1 Year In Business
600 FICO
Business Annual Gross Revenue of $100K
Have a Business Checking Account
Why Choose a Business Line of Credit?
A business line of credit offers several advantages over traditional loans:
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Flexibility: Borrow only what you need, when you need it.
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Reusability: As you repay, your credit becomes available again.
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Faster Access: Many lenders offer quick approvals and funding.
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Lower Costs: Pay interest only on the amount you draw.
How to Qualify for a Business Line of Credit
While requirements vary by lender, common criteria include:
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Credit Score: Typically 600 or higher.
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Business Age: At least 6 months to 1 year.
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Annual Revenue: Varies by lender; often $50,000 or more.
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Business Type: Most lenders prefer established businesses with a solid track record.
It's essential to review each lender's specific requirements before applying to ensure the best chance of approval.
Key Considerations for Brokers
As a broker, it's essential to:
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Understand Lender Criteria: Each lender has specific requirements regarding credit scores, time in business, and revenue.
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Assess Client Needs: Determine the client's funding requirements, repayment capabilities, and industry to match them with the most suitable lender.
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Stay Updated: Lender terms and offerings can change; regularly review and update your knowledge to provide the best advice.
Additional Resources for Brokers
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Broker Training: Enhance your skills with our Broker Course.
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Lender Directory: Access a comprehensive list of lenders in various categories, including Term Loan Lenders and SBA Lenders.
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Industry News: Stay informed with the latest developments in the lending industry through our News Section.
Ready to Secure A Business Line of Credit?
Whether you're a business owner seeking flexible funding or a broker aiming to provide the best options to your clients, understanding the landscape of business line of credit lenders is crucial. Our curated list and resources are designed to assist you in making informed decisions.
Frequently Asked Questions
Q: How is a business line of credit different from a loan?
A: Loans give you a lump sum once. Lines of credit give you ongoing access to funds that you repay and reuse, like a business credit card, but are more flexible.
Q: Can I apply with bad credit?
A: Some lenders will approve files with lower credit if you have strong revenue. Brokers can help clients find the right fit.
Q: Are there broker fees or commissions involved?
A: Some don’t charge fees. Some lenders listed here do offer broker commissions. We suggest contacting them directly for program details.
Q: How fast is funding?
A: Many fintech lenders fund within 24–48 hours once approved.