Fund today. Grow tomorrow.
A Business Line of Credit Built Around Your Cash Flow.
Draw what you need, repay what you use, and reuse available credit as your business grows—with one dedicated funding expert guiding you from application to funding.
How a line of credit works
Draw what you need. Pay for what you use. Credit replenishes as you repay.
A business line of credit gives you an approved limit you can tap when cash flow gets tight or an opportunity shows up. You only repay what you draw, and as you pay it down, that room opens back up to draw again—without starting a brand-new application every time.
Draw what’s needed
Request funds up to your available credit when payroll, inventory, repairs, or growth can’t wait.
Pay for what you use
You repay the amount you drew, on the schedule that comes with your offer—not the unused portion of your line.
Your line replenishes
As you repay, available credit comes back so you can draw again when the next need arises.
Why businesses choose a line of credit
Flexible access
Keep capital on standby and draw only when you need it.
Cash-flow friendly
Bridge gaps between invoices, seasons, and unexpected costs.
Personalized service
One dedicated funding expert from application to funding, with no hand-offs.
Fast when it counts
Same-day or 24-hour funding is available on select products, subject to approval.
Built for the road
Fuel, repairs, and slow-paying brokers.
Owner-operators and small trucking fleets live on cash-flow timing. Fuel and repairs don’t wait, and freight payments often do. A business line of credit can help bridge those gaps so you can keep rolling while you wait on invoices—and reuse available credit as loads pay out.
- Fuel and downtimeDraw what you need for fuel, tires, or unexpected shop time, then repay as cash comes in.
- Broker and shipper delaysCover operating costs when payments land later than the load.
- Reuse the lineAs you repay, available credit typically comes back for the next stretch of road.
Getting started
Three steps from application to funding.
Apply
Tell us about your business and what you need.
Review Your Options
Your funding expert walks you through any offers.
Get Funded
If approved, accept terms and access your capital.
Who it’s for
Simple eligibility starting points
Providers set final approval rules. These are common starting points we look for before reviewing your options.
- 6 monthsTime in business
- $5k / monthBusiness revenue
- Checking accountBusiness checking required
- 500+Credit score
Meeting the minimums does not guarantee approval. Funding providers make the final decision. See the FAQ for more detail.
Other options
Additional funding products
If a line of credit isn’t the best fit, your funding expert can also explore these options.
Working Capital
Cover payroll, inventory, and day-to-day operations.
Equipment & Expansion
Fund equipment, new locations, and growth projects.
Term Loans
Structured financing with set repayment terms.
FAQ
Line of credit questions
What is a business line of credit?
It’s revolving financing up to an approved limit. You draw funds as needed, repay what you used, and available credit typically replenishes so you can draw again—subject to your provider’s terms and approval of each draw.
How is a line of credit different from a term loan?
A term loan usually delivers a lump sum with a fixed repayment schedule. A line of credit lets you draw only what you need, when you need it, and reuse available credit as you repay.
How fast can I get funded?
Funding times vary by product and provider. Your funding expert will walk you through expected timing for the options available to you.
Are you a lender?
No. Flex Business Lines is a funding broker, not a direct lender. Financing is provided by independent funding providers, which make all approval decisions and set rates and terms.