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Best Business Line of Credit Lenders

If you are a business loan broker looking to offer your clients a Business Line of Credit or you are a business owner that is seeking one, the below list are the Top online lenders in 2024 that offer business lines of credit from $2,000 to $750,000. 

Business owners in most industries would be able to qualify for a business credit line though each lender has its own minimum requirements.  


An unsecured business line of credit is a flexible, often low-cost way to cover short-term financing needs regardless of the nature of those needs. Unlike a business loan, where a business must immediately make regular daily, weekly, or monthly payments to repay the loan, a small business line of credit is only repaid when the business draws from the line.

The application process is very short and you could access your funds often within 24 hours. For any line of credit you consider, you need to carefully read the terms offered by the lender to make sure you understand any associated fees and repayment schedule.

There are few restrictions on how you can use the funds, whether it be simply for working capital, new equipment, expansion of a facility, inventory, payroll, or various other needs.

This is not an endorsement for these companies so please perform your own due diligence before working with them.

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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:

  • Be at least 18 years of age

  • Have started your business at least a year ago

  • Have a FICO score of at least 640 at time of application

  • 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



The Modern Line of Credit Built for Brands

Secure non-dilutive growth capital to scale your business.

Banks have not prioritized the new economy, ignoring and under-serving the brands generating the most momentum. Our modern line of credit supports eCommerce, retail, and omnichannel growth strategies.

Know your fees
Transparent pricing means no surprises. With Ampla, you will never pay more than your stated annualized percentage rate (APR). Flat fee solutions can add up to 50%+ annualized interest. Understand the difference between APRs and flat fees.

Limits that scale

Automatically increase your access to capital in real-time as your company grows. Take advantage of free unlimited draw requests to provide your business capital when you need it most.

Flexible paybacks
We get repaid as you generate sales. If your sales slow, so do repayments. There is no maturity or fixed repayment date. Repay using a percentage of your daily sales until our outstanding principal and interest is recouped.


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.

  • Draw funds at any time and use in any way you like

  • Amounts from $10K - $750K

  • Unlimited terms and incredible rates

  • 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.



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:

  • Credit lines up to$250,000

  • Rates as low as 4.8%

  • 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.

New Fundbox Primary Logo


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

  • Easy Application - See if you qualify in minutes.

  • Fast Funding - Money as soon as tomorrow.

  • Save on Interest - No prepayment penalties.

  • Longer Payment - Repay over 12 – 24 months.

  • Flexible Schedule - Choose from weekly and monthly repayment options

  • 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.



Access cash when you need it, with a Line of Credit from OnDeck.

  • Revolving lines of credit from $6K-$100K

  • 12-month repayment term, resets after each withdrawal

  • 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

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