Business Lines of Credit
Compare standard, revolving, and interest-only credit lines. Access funds as needed within your approved limit and draw period; each option has its own qualifications and repayment terms.
Cash-Flow-Based Revolving Credit
Access capital exactly when you need it. A revolving credit line works like a credit card — a higher limit, a lower interest rate, and interest charged only on what you use. Pay it off anytime with no penalties, then draw funds again.
Qualifications for This Option
- Affordable Interest Rates
- No Credit Score Minimum
- Up to 36-Month Terms
- 6+ Months Time in Business
- No Collateral Required
- $14,000+ Monthly Revenue Min.
- No Prepayment Penalties
- Nationwide Financing
- Same-Day Funding Available
Compare your credit line options
Revolving Business Line of Credit
Published approvals up to $1.5 million, fixed weekly payments, amortizing terms up to 36 months, and a revolving period up to 52 weeks.
Minimum initial draw: $5,000 or 10% of approval, whichever is higher. Additional draws and partial principal paydowns start at $5,000 during the revolving period. A $5,000 balance is required to keep revolving access open. No prepayment penalties or maintenance fees; weekly finance charges and cash-out closing points apply.
General approved-industry starting criteria: 575+ Equifax, one month under the same ownership, and $17,000 monthly sales ($200,000 annually). Each draw requires updated bank data and underwriting.
Interest-Only Revolving Line of Credit
Interest-only payments for up to a year; revolving access up to 48 weeks. Initial draw is at least 25% of approval, with additional draws and partial principal paydowns starting at $10,000.
Published qualification criteria: four years under the same ownership, $1.5 million annual sales ($125,000 monthly), 651+ Equifax, homeownership with any mortgage current, and a $10,000 average daily bank balance.
Limits, repayment schedule, and availability through our funding partners must be confirmed. Public and partner materials differ on the maximum; this is not guaranteed access to credit.
Enhanced Revolving Credit with Interest-Only Periods
Published approvals up to $1.5 million, a 12-month revolving period, and eight interest-only weeks available as one eight-week period or two four-week periods, with at least ten business days’ notice.
No draws or principal paydowns during interest-only periods. Otherwise, draws and partial paydowns start at $5,000 and require review. Four points are due at closing and additional finance charges apply.
Published starting criteria: 651+ Equifax, three years under the same ownership, and $17,000 monthly sales ($200,000 annually). For new merchants/guarantors or those out of the program for at least 120 days. Confirm the repayment term and first-draw requirement in your offer.
Standard Business Line of Credit
A planned-access option with published amounts of $5,000 to $750,000, terms up to 36 months, a $10,000 minimum first draft, and access to five drafts over six months. Each draft carries a fixed weekly payment.
Interest-only means interest is payable while principal remains outstanding. It is different from our 0% business funding option. Need a lump sum? Explore business loans and working capital.
I Invest Realty Group, LLC is not a lender. Eligibility, approved amounts, fees, repayment terms, and availability vary by funding partner and program. Future draws require review.
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