Business Line of Credit by LVRG Business Funding
* Get a flexible business line of credit with LVRG Business Funding. Fast approvals, funding up to $750K, and terms from 12-36 months. Pay only for what you use with interest-only options and tax-deductible interest. Perfect for managing cash flow, covering expenses, or fueling growth. Serving retail, restaurants, salons, healthcare, and more. Apply today and unlock financial freedom!
Fast, Flexible, and Reliable Capital for Small to Midsize Businesses
At LVRG Business Funding, we understand the unique financial needs of small to midsize businesses. A business line of credit gives you the flexibility to handle cash flow challenges, invest in growth opportunities, and stay prepared for unexpected expenses. With terms designed to work for your business, our lines of credit offer the reliability you need to keep moving forward.
Why Choose a Business Line of Credit?
A business line of credit is the ultimate financial tool for businesses seeking flexibility. Here’s why business owners across industries choose this solution:
Access Capital When You Need It: Draw funds anytime, up to your approved limit.
Pay Only for What You Use: Interest is charged solely on the funds you draw, not your total credit limit.
Revolving Access: Repay and reuse your available credit over the loan term, giving you ongoing financial support.
Boost Your Cash Flow: Ideal for bridging gaps between accounts payable and receivable or managing seasonal fluctuations.
Take Control of Your Finances: Whether it’s investing in new opportunities or covering unexpected costs, a business line of credit puts you in control.
Key Features and Advantages of Our Business Line of Credit
At LVRG Business Funding, we offer business lines of credit with features tailored to meet your business's specific needs. Here’s what sets us apart:
Flexible Loan Terms
Loan amounts: From $5,000 to $750,000, depending on your business's size and needs.
Repayment terms: Fixed terms ranging from 12 to 36 months, designed for affordability and predictability.
Interest-only payment options: Keep your monthly payments low when cash flow is tight.
Up to 50% principal deferment: Reduce your initial payments to prioritize other business expenses.
Speed and Simplicity
Same-day approvals: Get decisions fast, so you don’t lose time waiting for funding.
Funds delivered within a week: Access your approved credit line in days, not weeks.
Minimal documentation: Simplified application process means less paperwork and fewer headaches.
Flexibility in Usage
No restrictions: Use the funds for anything your business needs, from inventory to payroll or expansion.
Unlimited draws and paydowns: Borrow, repay, and reuse funds as often as necessary within the loan term.
Not tied to credit card transactions: Your repayment plan operates independently of your sales processing.
Cost-Effective Solutions
Tax-deductible interest: Save on your taxes with deductible interest payments.
Early payoff options: Pay off your line of credit ahead of schedule without penalties.
Pay off competitors: We can consolidate one existing MCA or short-term loan, streamlining your debts.
By focusing on cash flow over credit scores, we make it easier for businesses to qualify and succeed. Our programs are built with your growth and stability in mind.
Who Qualifies for a Business Line of Credit?
We’ve made the qualification process simple and inclusive for thriving businesses across industries. Here’s what you’ll need:
Minimum Equifax credit score: 551
Time in business: At least 6 months under the same ownership
Monthly revenue: Minimum of $17,000
Loan amounts: Up to $500,000 for single entities, and up to $750,000 for multiple entities
Repayment terms: Fixed terms ranging from 12 to 36 months
Additional benefits: We can pay off one competitor loan (MCA or short-term loan)
Top Approved Industries for Business Lines of Credit
At LVRG Business Funding, we specialize in funding a wide range of Business-to-Consumer (B2C) industries. If your business operates in one of the industries below, our lines of credit are designed to support you.
Retail and Consumer Services:
Restaurants, cafes, and food trucks
Retail stores, including specialty shops and grocery stores
Beauty salons, barber shops, and nail salons
Auto repair shops, car washes, and automotive parts stores
Pharmacies, florists, and gift shops
Healthcare and Wellness:
Chiropractors, dentists, and orthodontists
Medical spas and cosmetic surgery clinics
Physical rehabilitation centers
Urgent care facilities and nursing homes
Entertainment and Hospitality:
Hotels, motels, and bed & breakfasts
Nightclubs, taverns, and bars
Bowling alleys, movie theaters, and fitness centers
Other Approved Industries:
Bakeries, catering services, and candy shops
Bookstores and bicycle shops
Liquor stores, smoothie shops, and gourmet food stores
If your business serves consumers, chances are you’re eligible for our funding solutions. Don’t see your industry? Contact us to find out if you qualify.
How to Get Started
Securing a business line of credit with LVRG Business Funding is fast, simple, and hassle-free. Here’s how:
Apply Online: Submit a quick and easy application with minimal documentation.
Same-Day Approval: Get a decision within hours, not days.
Access Your Funds: Draw funds as needed, and use them however you see fit.
Frequently Asked Questions (FAQs)
1. What makes a business line of credit different from a loan?
A business line of credit gives you revolving access to funds, while a loan provides a lump sum upfront. With a line of credit, you pay interest only on what you use.
2. Can I qualify if I don’t have perfect credit?
Yes! We require a minimum Equifax credit score of just 551, and we focus more on your business’s cash flow and revenue than your credit score.
3. How soon can I access the funds?
You’ll receive same-day approval, and funds are typically available in under a week.
4. Can I use the line of credit to consolidate existing debt?
Absolutely. We can pay off one competitor loan (such as an MCA or short-term loan) as part of your funding.
Why Choose LVRG Business Funding?
At LVRG Business Funding, we’ve been trusted by over 10,000 businesses nationwide, providing more than $1 billion in funding. With 20+ years of expertise, we specialize in fast, flexible, and reliable funding solutions that put business owners first.
Ready to Get Started?
Take control of your business’s financial future today with a business line of credit from LVRG Business Funding. Whether you need to bridge cash flow gaps, invest in growth, or handle unforeseen expenses, we’re here to help.
Apply now and experience the LVRG difference.