Get a line of credit up to 75% of your outstanding accounts receivables (A/R), or 10–15% of your gross revenue.
Quick access to funds when you need it most. A small business line of credit can be used by-
A Business Line of Credit works like a safety net for your cash flow. Lenders approve you for a maximum limit, and you can borrow from that pool of funds at any time. Interest is only charged on what you use, not the total limit, giving you greater control over borrowing costs.
There are two main types of business lines of credit:
A line of credit is designed to give businesses breathing room and flexibility. Some of the most common benefits include:
Keep Your Cash Flow Strong and Reach Short-Term Goals with a Business Line of Credit
Our business line of credit gives you quick access to working capital when you need it most. Draw funds anytime up to your approved limit, repay, and reuse the same credit line to manage everyday expenses or prepare for future needs. This flexible financing option keeps your cash flow steady and your business running smoothly.
With our business line of credit, you only pay interest on the amount you use — not your full credit limit. Choose to make minimum monthly payments or pay off your balance in full at any time to save on interest. It’s a cost-effective working capital solution designed to fit your business cycle.
Having ongoing access to financing means you can act fast — whether it’s taking advantage of supplier discounts, purchasing inventory, or handling unexpected expenses. A business line of credit gives your company the flexibility, security, and growth potential it needs in today’s market.
Working with us means partnering with former bankers who truly understand both sides of the table — the lender’s expectations and the borrower’s needs. Because we’re a team of business loan specialists & business advisors, not a single bank, we provide access to a wide network of lenders including banks, credit unions, and non-bank alternatives. This allows us to secure more competitive terms and faster approvals. We take pride in tailoring solutions to match your business stage, cash flow, and long-term strategy—giving you confidence and clarity every step of the way.
At First Choice Capital, we simplify the process of securing a business line of credit. First, we start with a consultation to understand your goals and eligibility. Then we help gather and package the required documentation into a lender-ready application. From there, we match you with lenders who fit your needs, guide you through approvals, and set up the line of credit so you can access funds as soon as you need them. Even after funding, we’re here to support renewals, increases, and additional financing as your business grows.
A Business Line of Credit is more than just financing—it’s a tool that gives your business flexibility, security, and room to grow. Whether you’re managing seasonal fluctuations or preparing for expansion, First Choice Capital can help you find the right solution.
A Business Line of Credit is a flexible financing option that provides businesses access to funds as needed, rather than a lump sum loan. It allows companies to borrow, repay, and borrow again within the approved limit. This revolving credit is ideal for managing cash flow, covering short-term expenses, or handling unexpected costs. With timely repayments, it builds financial stability and helps businesses grow with confidence.
