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Directory of business line of credit lenders and line of credit solutions for new businesses. Find links to a corporate LOC source who can provide a secured or unsecured line of credit to your company until it becomes profitable.

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Business Line of Credit News and Trends

Staying abreast of business line of credit news and trends will help business owners keep their companies afloat during times of national economic distress. For example, what happens to a business line of credit if the lending institution fails? Can the lending institution decrease or close a business line of credit when the economy is weak? Knowing the answers to these and many other business lines of credit questions helps owners know their options when managing their company’s cash flow.

Business Line of Credit Key Terms

When applying for a line of credit for a business, borrowers should understand the terms associated with such applications, including the business credit profile and the Dunn & Bradstreet ratings often used by lenders. Learn what is considered a small business and the 4 Cs of Credit.

BusinessLine Line of Credit - Small Business Line of ... - Wells Fargo

BusinessLine line of credit gives you the flexibility to access up to $100000, save on interest, and track expenses.

Business Line of Credit from Bank of America

A business line of credit from Bank of America can help you manage your cash flow. Review terms and fees and get answers to your common questions about ...

Business Line of Credit: Get Working Capital with an Unsecured ...

Apply for a business line of credit (LOC) from Citizens Bank. We have the short- term financing options you need to acquire the assets that power your business.

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Applying for a Business Line of Credit | SBA.gov

Aug 19, 2010 ... A business line of credit loan helps small businesses grow and operate. This type of loan is designed to finance short-term working capital ...

Business Line of CreditBusiness Credit Line | U.S. Bank

Use a U.S. Bank business line of credit for a variety of business purposes, from meeting short-term cash needs to purchasing inventory.

Business Lines of Credit - PNC

Finance your growth with business lines of credit and loans from PNC Bank. We offer business lines of credit to meet your business needs.

Line of Credit Loan Comparison | Chase Business Banking

Compare line of credit loan options, Business Line of Credit Loans, Commercial Line of Credit Loans, and Business Overdraft Line of Credit.

Small Business Loans & Business Line of Credit | Union Bank

In need of a small business loan to grow your company? Union Bank has many small business loans with flexible terms and features to choose from.

Getting a Business Line of Credit - Entrepreneurs - About.com

Lines of credit accommodate the seasonal credit demands of your business along with ups and downs in your cash flow. They also enable you to purchase ...

Business Lines of Credit for Working Capital | Capital One Bank

Find out how Capital One Working Capital Lines of Credit can benefit your business with flexible repayment options, unlimited advances, and more.

Business Line of Credit Basics


Before contacting a lender to discuss financing options, it's best to learn about business line of credit basics. A business line of credit (LOC) is a common way for company owners to meet their short-term working capital needs. In most cases collateral is not required as long as the business owner meets all basic credit criteria.

The maximum amount of the unsecured business line of credit for which a business owner will qualify is dependent upon the company’s historical and projected annual cash flow and revenues. Consider the following tips to help you learn more about business lines of credit.

1. Research pros and cons of obtaining a business line of credit.

2. Access funds whenever needed with a business line of credit.

3. Use a business line of credit to create cash flow.

Determine if a small business LOC is right for you

A business line of credit is a revolving product with no fixed terms. In most cases a business line of credit is the best option for short-term cash flow needs. For example, if you are obtaining long-term working capital or are purchasing a fixed asset, a business term loan would be a more appropriate financing tool.

Use a business credit line to finance short-term business objectives

Business owners can borrow off of the total business credit line incrementally or in one lump sum. To qualify, financial institutions will generally require a personal statement, certified business and personal tax returns for the past three years and other supplemental information that demonstrates the financial stability of your company.
U.S. Small Business Association website to obtain basic information about business lines of credit and how you can accurately assess your financing needs

Expand your company with a business line of credit

A business line of credit can be used to finance a range of business expenses, such as equipment or a new product or service offering. While criteria will vary by financial institution, business line of credit lenders will generally want to ensure that your company is financially sound and profitable.
  • Be sure to watch out for high interest rates when applying for a small business LOC. While business lines of credit rates will generally be higher than business loans, they rates should be significantly lower than credit card rates.