Business Line of Credit Online

Small business lines of credit are ideal for:

• Purchasing new inventory
• Opening a new location
• Upgrading or replacing equipment and technology
• Bolstering your small business’s marketing
• Filling in cash flow gaps during slow seasons or between projects

Lines of credit for small businesses can benefit attorneys, medical practices, construction companies, restaurants, retailers, and more. No matter what industry you operate in, our expert Funding Advisors will work closely with you to select the best funding option to help you achieve your business’s goals without sacrificing cash flow.

It’s easy to apply for a small business line of credit online from Greenbox Capital®. Approval is based on your business’s revenue and cash flow, not just your credit score. Here are some of the factors we consider:

• Business revenue
• Cash flow (based on your bank balances over time)
• Vendor payment history
• Years in business
• Industry type
• Public records
• Personal credit

• Access to Flexible Working Capital
  With a credit line for business, you can draw funds as needed — only when you need them. This means you’re not tied to a lump-sum loan and can manage cash flow more efficiently.
• Pay Interest Only on What You Use
  Unlike traditional loans, this funding structure functions similarly to a business line of credit, allowing you to draw as little as $5K or up to the full approved amount. You only pay based on how long you’ve had access to the capital — making it more flexible for growing businesses.
• Support for Day-to-Day Operations
  A commercial line of credit is ideal for covering short-term expenses such as inventory restocking, payroll, or utilities without disrupting long-term financial planning.
• Quick Access to Funds
  Many business credit and funding providers offer fast approvals and same-day access, giving your business the agility to seize opportunities or handle unexpected costs.
• Build Business Credit History
  Responsible use of your line of credit for small business helps establish or improve your company’s credit profile — making it easier to qualify for larger financing in the future.

• Reusable Credit Limit
  Once you repay what you’ve borrowed, your credit becomes available again — making business line of credit funding a sustainable and ongoing source of capital.
• Collateral Considerations
  Most business credit funding options involve a legal filing (UCC in the U.S. and PPSA in Canada) to register a secured interest in business assets. While this technically qualifies as collateral, the assets themselves typically hold little value — and the filing serves more as a protective measure in cases of non-payment.
• Ideal for Seasonal Businesses
  For companies with fluctuating income, a line of credit for small business helps smooth out the highs and lows of seasonal demand.
• Improves Cash Flow Stability
  Whether you’re waiting on receivables or planning a project, a credit line for business ensures you’re covered — helping avoid cash crunches and late payments.