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Fast lump-sum capital repaid over 3 to 18 months with predictable payments.
Explore Short-Term LoansFunding product
Business Line of Credit
A revolving line you draw from whenever you need it — pay interest only on what you use, and your credit replenishes as you repay.
Amounts $5K - $250K
Term Revolving, 6-24 mo draws
Funding Same / next day
What it is
A business line of credit is the most flexible tool in our lineup. Instead of a single lump sum, you receive an approved credit limit you can draw against again and again. You only pay interest on the funds you actually use, and as you repay your balance, that available credit replenishes automatically — ready for the next opportunity or shortfall.
Think of it as a financial safety net that lives quietly in the background until the moment you need it. There are no penalties for leaving it untouched, and no need to reapply each time cash flow tightens.
Best for
A business line of credit tends to be the right fit when:
- Smoothing seasonal or month-to-month cash-flow swings
- Covering recurring expenses like payroll and inventory
- Seizing a time-sensitive discount or bulk-purchase opportunity
- Keeping a buffer on hand for unexpected repairs or slow weeks
- Businesses that want flexibility without committing to a fixed loan
How it works
Apply once for a limit
Submit a short application and connect your bank data. We set an approved credit ceiling based on your revenue and history.
Draw what you need
Transfer any amount up to your limit straight to your bank account, typically the same or next business day.
Pay interest only on the balance
You're charged interest solely on the funds you've drawn — never on the unused portion of your line.
Repay and reuse
As you pay down the balance, your available credit refills, so the line is ready the next time you need it.
Rates & terms
Pricing & structure
- Credit limit$5,000 - $250,000
- Draw structureRevolving, 6-24 month draws
- Rates from8.99% APR
- RepaymentWeekly or monthly
- Origination fee0% - 3% per draw
- Prepayment penaltyNone
Eligibility & requirements
- Time in business6+ months
- Monthly revenue$15,000+
- Credit score500+
- CollateralNot required
- Business typeU.S. for-profit
- Decision time24 - 48 hours
Figures are illustrative and do not constitute an offer of credit. Final rates and terms are set by underwriting and vary by qualifications.
Why owners choose it
Draw on demand
Access funds in minutes, as often as you like, up to your limit.
Interest on usage only
No charges on the portion of your line you leave untouched.
Replenishing credit
Repay and your available balance refills automatically.
No collateral
Unsecured lines mean your assets stay unencumbered.
Do you qualify?
Northwind's core requirements
Most applicants qualify for a business line of credit if they meet our baseline standards:
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- A U.S.-based, for-profit business
Stronger revenue and credit unlock higher limits and lower rates, but a thin file won't disqualify you — we look at the whole picture.
Frequently asked
No. You're only charged interest on funds you actually draw. Leaving the line idle carries no interest, and there are no inactivity fees.
Once your line is approved, most draws reach your bank account the same or next business day.
Checking your options uses a soft inquiry that doesn't affect your score. A hard pull only happens if you accept an offer.
Yes. As you build a track record of on-time payments and your revenue grows, we routinely review accounts for limit increases.
Related funding
Not quite the right fit? These products solve similar needs:
Popular with these industries
- Retail — keep inventory flowing year-round
- Professional Services — bridge project billing cycles
- Restaurants — cover seasonal dips between peaks
Steady capital. Solid partners.
Put a flexible line in your corner
Open a line of credit and only pay for what you use. See your limit in minutes.