Business Line of Credit
Access revolving funds up to $250,000 with our flexible line of credit. Only pay for what you use.
$5K - $250K
Credit lines
6-12
Month terms
Same-day
Funding available
Complete the form to check your options without affecting your credit score.
How does a business line of credit work?
A business line of credit provides flexible access to funds that you can draw from as needed, up to your approved credit limit. Unlike a traditional loan, you only pay interest on the amount you actually use.
With a revolving line of credit from Tariff Business Loans, as you repay what you've borrowed, your available credit is replenished. This creates an ongoing source of funding that your business can tap into whenever necessary.
Credit lines from Tariff Business Loans range from $5,000 to $250,000 with 6-12 month repayment terms. Access your funds through our online dashboard or mobile app, with transfers to your bank account typically completed within 24 hours.
Benefits of a Tariff Line of Credit
Flexible funding
Draw exactly what you need, when you need it. Only pay interest on the amount you use.
Fast access
Once approved, you can draw funds as needed with just a few clicks, with funding as fast as 24 hours.
Revolving credit
As you repay your balance, your available credit is replenished, creating an ongoing source of capital.
How do I apply for a business line of credit?
Complete the application
Our streamlined process takes just minutes to complete.
Get approved
Receive your credit line amount and terms.
Draw funds as needed
Request funds anytime through your online account.
What can you do with a line of credit?
A business line of credit provides the flexibility to handle a wide range of business needs. Here are some common ways businesses use their line of credit:
Cover payroll gaps
Purchase inventory
Handle seasonal cash flow
Unexpected expenses
Ready for unexpected opportunities
With a business line of credit, you'll be prepared for whatever comes your way—whether it's a surprise expense or an opportunity too good to pass up.
- Take advantage of bulk inventory discounts
- Bridge cash flow gaps during slow seasons
- Cover emergency repairs or equipment replacement
- Quickly fund marketing campaigns for time-sensitive opportunities
Eligibility Requirements
Basic Requirements
- At least 6 months in business
- $10,000+ in monthly revenue
- 600+ personal credit score
- Business checking account
Documentation Needed
- Business and personal tax returns
- Bank statements (last 3 months)
- Business financial statements
- Business license or registration
Don't meet all these requirements? We may still have options for you.
Check Your OptionsFrequently Asked Questions
What's the difference between a line of credit and a term loan?
A line of credit gives you access to a pool of funds that you can draw from as needed, up to your credit limit. You only pay interest on the amount you actually use, and as you repay, your available credit is replenished. A term loan, on the other hand, provides a lump sum of money upfront that you repay over a fixed period. Lines of credit are better for ongoing expenses and cash flow management, while term loans are ideal for one-time large purchases.
How quickly can I access funds from my line of credit?
Once your line of credit is approved and set up, you can request funds through your online dashboard or mobile app at any time. In most cases, funds will be deposited into your linked business bank account within 24 hours of your request, often on the same business day if requested before cut-off times.
Are there any draw fees or maintenance fees?
Our line of credit product has no draw fees when you access your funds. We may charge a small monthly maintenance fee depending on your credit line size and terms, which will be clearly disclosed during the application process. There are also no prepayment penalties, so you can repay your balance early without additional costs.
How does repayment work for a line of credit?
When you draw funds from your line of credit, you'll make regular weekly or monthly payments that include both principal and interest, depending on the terms of your agreement. As you repay the principal, that amount becomes available for you to borrow again. You can always choose to pay more than your minimum payment to reduce your balance faster and free up more available credit.
Ready to apply for a business line of credit?
Get the flexible funding your business needs with a line of credit from Tariff Business Loans. Apply in minutes.
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