Small Business Line of Credit: Revolving Capital on Demand.
Never worry about timing gaps between your expenses and your revenue again. A Trifecta Business Group small business line of credit — often called a business LOC — gives you access to a dedicated pool of revolving business credit that you can draw from whenever an urgent need or growth opportunity pops up. The best part? You only pay interest on the exact amount you draw down—giving you ultimate peace of mind.
No hard credit pull• Form takes 3 mins• Secure digital application
Matched to one lender at a time, with your consent.
Our borrower standard
Borrower Protection Standards
One advisor, one matched lender
Your file goes to one lender at a time — never broadcast or auctioned.
Never sold to lead lists
Your information and documents are not sold to lead buyers.
No hard credit pull to explore
No hard credit pull to explore your options.
Commercial only, costs explained
Business-purpose financing; we walk through costs and payoff before you sign.
See which funding options you qualify for
Four quick questions. No hard credit pull, no documents, no phone call to get started — just a clear read on where your business stands against our lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
One advisor, one lender at a time. Your file is never sold or auctioned.
From a small working-capital bridge to major expansion capital.
Approval, rates and timing depend on underwriting and are never guaranteed.
Basic intake takes about 3 minutes, plus upload separately.
Three steps from application to funded
Apply — about 3 minutes, plus upload
Tell us your revenue, time in business and how much you need. About 3 minutes, plus upload. No hard credit pull to explore.
We match your file
A funding advisor matches your file to one suitable lender at a time, with your consent.
Review and get funded
Review any available terms with no obligation. Approval, rates and timing are never guaranteed.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
Borrowing box
Line of Credit at a Glance
- Line size
- $10,000 to $250,000
- Credit
- 620+ FICO typical starting point
- Deposits
- $15,000+ per month in business bank deposits
- Draws
- Draw when needed; limit refills as you repay
Typical starting points. Final terms vary by lending partner and are never guaranteed.
Line of Credit vs. Term Loan
| Line of Credit | Term Loan | |
|---|---|---|
| How you get funds | Draw any amount up to your limit | One lump sum up front |
| Interest | Only on what you've drawn | On the full loan amount |
| After repaying | Available again | Closed — reapply for more |
| Best for | Inventory, seasonal payroll, surprises | One-time purchases or expansion |
Continuous Cash Flow Control, Entirely on Your Terms
A Line of Credit acts as the ultimate safety net and tool for growth for an ambitious small business owner. Instead of taking out a massive lump-sum loan and paying interest on cash sitting idle in your account, this revolving facility adapts entirely to your operational cycle. It's capital that breathes with your business.
Tailored Credit Limits
Access revolving pools from $10,000 up to $750,000+.
Revolving Terms
Clean 6 to 12-month terms that automatically reset as you pay back what you borrowed.
True Cost Savings
Interest accumulates only on your active balance, protecting your profit margins.
How Does a Business Line of Credit Work?
A business line of credit works like a reusable pool of business capital rather than a single lump-sum loan. You are approved for a limit once, then draw against it whenever the business needs cash — and you only carry a cost on the portion you actually use.
- 1
Your credit line is established
Based on your revenue and deposit history, our lending partners set an approved limit — commonly $10,000 to $250,000, and higher for stronger files. Nothing is borrowed yet, and the approved limit costs you nothing to hold.
- 2
You draw only what you need
Need $18,000 for an inventory buy? Request that draw and the funds move to your business account, often within 24 to 48 hours. The rest of your line stays available for the next need.
- 3
You pay interest only on what you drew
Interest accrues on the active balance only. If you hold a $100,000 line and draw $18,000, you are paying on $18,000 — not on the full limit.
- 4
Your available capital replenishes
As you repay the balance, that amount becomes available to draw again without starting a new application. That revolving cycle is what separates a line of credit from a one-time term loan.
Approval, limits, and pricing vary by lending partner and by your business profile. Approval is never guaranteed, and files with weaker credit or shorter history generally cost more. All financing is for commercial use only.
Estimate costs based on your planned draw, not the limit
See exactly what you'll pay. Because a line of credit is revolving, interest accrues only on the amount you actually draw down—not your approved limit. Move the sliders to model your real usage.
Interest shown is a simple monthly estimate on your drawn balance. Actual terms vary by partner and credit profile.
Fast, Frictionless Qualification Criteria
Our onboarding funnel connects directly with our underwriting partners to look at the health of your operational business data rather than just a historical credit report. We keep the hurdles low so you can keep your momentum high.
Time in Business
6+ months of active operations.
Annual Revenue
$100,000+ in verified annual gross revenue.
Credit Health
Lender programs accommodate credit scores starting around 600+.
Zero Overhead
Simply connect your business bank account for ultra-fast digital underwriting.
Questions, Answered
A regular loan gives you a one-time lump sum, and you pay interest on the whole amount. A line of credit is revolving—like a credit card. You only draw what you need, when you need it, and you only pay interest on the active balance.
You are approved for a limit once. You then draw only the amount you need, and funds typically reach your business account in 24 to 48 hours. Interest accrues on the drawn balance only, not the full limit. As you repay, that amount becomes available to draw again without a new application.
Business LOC is simply shorthand for a business line of credit. A traditional bank LOC usually asks for two or more years of history, strong collateral, and a longer review. The revolving business credit lines our lending partners place weigh recent revenue and deposit consistency more heavily, so they can suit newer companies — often with a shorter draw period and a higher cost than a bank facility.
No. We protect your credit profile: there is no hard credit pull to check your initial eligibility options.
Completely. We utilize banking-grade, end-to-end security protocols to ensure your sensitive business data is shielded, encrypted, and processed safely.
Business Line of Credit Eligibility Estimator
Answer three quick questions and see where your business stands before you apply. This is the same information lending partners weigh first — revenue, time in business, and credit.
Your Business Snapshot
Adjust each figure to match your business. Nothing here is saved or shared.
Revenue and consistent deposits carry the most weight here — a lower credit score with steady bank activity often still gets funded. Treat the result as a readiness check, not an approval.
This is an educational estimate, not an offer or approval. Every application is reviewed in underwriting — applying is free and requires no hard credit pull.
What this calculator works out
This business line of credit calculator estimates whether your revenue, time in business, and credit score meet the revolving credit line requirements most lending partners start from before you draw on capital.
Payment Affordability Check
Before you take on a new payment, check whether your cash flow supports it. This is the same coverage math underwriters run — monthly cash after expenses divided by total debt payments.
Your Monthly Cash Flow
Use typical monthly figures. Coverage of 1.25 or better is what most lending partners look for.
A coverage number below 1.25 is not a no — it is a signal to change the structure. Lengthen the term, lower the amount, or use financing that flexes with revenue.
Educational estimate only, not an offer or approval. Underwriting reviews full financials before any decision.
What this calculator works out
This affordability calculator runs the same debt service coverage math underwriters use, comparing monthly cash after expenses against existing and proposed payments.
Access Your Flexible Business Line of Credit Now
Capital that breathes with your business. Start with no hard credit pull and an application that takes about 3 minutes, plus upload separately—no hard inquiry, no hassle.