Business Line of Credit
Flexible, reusable credit you draw against as needed.
A business line of credit gives you access to a set credit limit you can draw from on demand. You pay interest only on what you draw, and as you repay, credit becomes available again. It's designed for short-term, recurring needs — not one-time large purchases.
Minimum Requirements & Program Details
These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.
ROK Business Line of Credit
ROK partner channel
- Minimum credit
- 600+ FICO
- Time in business
- 6+ months
- Monthly gross sales
- $10,000+
- Financing amount
- Program-specific—request a funding review
- Term / structure
- Revolving; pay interest on drawn balance only
Reveal Business Line of Credit
Reveal partner channel
- Minimum credit
- 600+ FICO
- Time in business
- 6+ months
- Monthly deposits
- $10,000+
- Avg. daily balance
- $1,500+
- Credit limit
- Up to $750,000
- Term / structure
- Revolving line of credit
Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.
Common uses
- Covering gaps between receivables and payables
- Seasonal inventory purchases
- Unexpected expenses or short-term opportunities
- Bridging payroll during a slow month
When it fits
- Your cash flow fluctuates month to month
- You want to pay interest only on what you use
- You need fast, repeat access to capital
How it generally works
- 1You're approved for a credit limit based on your business profile.
- 2You draw funds as needed, up to the limit.
- 3Interest accrues only on the drawn balance.
- 4As you repay, available credit is replenished.
Factors funding partners may consider
- Time in business and revenue consistency
- Cash flow and bank-statement history
- Personal and business credit profile
- Existing debt obligations
Documents to prepare
We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.
Initial Review
- Signed application
- Three months of business bank statements (four for California)
Additional Underwriting & Closing
- Personal identification
- Voided business check
- A brief summary of how you'll use the line
Curious whether this fits your situation?
Request a review — we'll confirm fit and suggest alternatives if another product suits you better.
Illustrative scenario
A seasonal retailer draws against a line to stock inventory ahead of the holidays, then repays as sales come in — paying interest only on the drawn amount. Actual limits, rates, and terms depend on the partner and underwriting.
How it compares to related products
vs. Term Loan
A line is reusable and interest-only on draws; a term loan is a lump sum with fixed payments.
Learn morevs. Working Capital
Working capital loans are typically short-term lump sums; a line offers ongoing flexibility.
Learn moreFrequently asked questions
Ready to explore business line of credit?
Request a funding review and we'll help confirm fit and identify alternatives. Any match is preliminary until reviewed.