What Is a Business Line of Credit?

A Business Line of Credit is a flexible financing solution that gives your business access to funds when needed — like a credit card. You pay interest only on what you borrow, and once repaid, the credit is available again. Use it to manage cash flow, cover expenses, or invest in growth, with the freedom to borrow and repay as your business needs.

Benefits of Choosing Our Business Line of Credit

  • Flexible Access to Funds – Borrow what you need, when you need it.

  • Pay Only for What You Use – Interest is charged only on the amount drawn.

  • Fast Approval & Funding – Get approved in hours and receive funds the same day.

  • High Credit Limits – Lines up to $5,000,000 to support growth at any scale.

  • Simple Qualification – Just 6+ months in business, $10K+ monthly revenue, and a 600+ FICO score.

Take control of your business cash flow and growth today.

How It Works

Apply Online

Secure pre-approval with our easy online application.

Review Options

Your personal advisor will guide you through funding choices.

Receive Your Funds

Access your line of credit and put your plan into action — often within 24 hours.

Your Growth, Funded. Your Future, Secured.

Partner with Prosper Smarter for fast funding, personalized strategies, and lasting financial success.

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