Business Line of Credit

On-demand capital, ready when you are.

Access flexible, revolving funds to cover expenses, seize opportunities, and manage cash flow—without waiting on approvals every time you need capital. Use it when business calls. Keep it available when it doesn’t. With LimeLyne’s AI-driven lender matching, L.I.M.E., you secure the best credit line offers in 24 hours or less.

Smart. Simple. Hassle-free.Let’s get you funded.

8%

Rate as low as

12-60 Months

Term

$40K-$500K

Amount

24-48 hours

Time to Fund

What Are Business Lines of Credit?

Flexible, on-demand funding for small businesses.

A business line of credit provides pre-approved access to capital, letting you withdraw funds as needed—without fixed payments or long-term commitments. Unlike a traditional loan, you only pay interest on what you borrow, making it a low-cost, highly flexible financing solution.

• Only pay interest on what you borrow
• Get approved and access funds within 48 hours
• Easily renewable for ongoing financial flexibility

Is a Business Line of Credit right for me?

How Do I Secure a Line of Credit for My Business?

Approved credit limits vary based on your business profile and can be either secured (backed by collateral) or unsecured. Secured credit lines typically offer lower rates and better terms.

Why Is This Useful for Small Businesses?

A line of credit provides continuous access to capital without requiring a new loan every time. Use it when you need it, pay it down when you want, and repeat.

When Do I Pay Interest?

You only pay interest on the funds you borrow, when you borrow them. As you pay it back, more credit becomes available—keeping your capital flexible and your costs low.

Ready for action

Your approved line means funds are ready whenever you need them to ensure business continues seamlessly.

Limited interest

Accrue interest only when credit is being used and go back to zero as soon as it’s paid off.

Lower-cost capital

Access cash on demand at rates that hibernate when not in use.

Fast and easy approval

Get approval within minutes and funds within 48 hours, with flexible terms that are simple to renew.

Put simply, the big benefit to lines of credit is they create financial flexibility for small business owners at a lower cost. When an unplanned expense comes up. Operations keep moving because credit is waiting. No surprises. No worries. Just cash within reach.

Advantages

• Low cost compared to other funding options
• On-demand access to revolving capital
• Interest rates as low as 8%

What you’ll need to apply

1. Business application
2. Last 4 months of business bank statements

Minimum qualifications

1. 650 minimum FICO credit score
2. 2 Years In Business
3. $20,000 minimum gross monthly sales

Let’s get down to small business.

There’s the 1West way to get smart financing fast — and there’s everything else. We believe in your small business, and we believe in our approach. No nonsense. No surprises. Just expert guidance from start to finish.

Join our SME community

“Running a surf shop in San Diego means staying stocked with the best gear and keeping up with the community’s needs. LimeLyne gave me the financial boost I needed to expand my inventory, upgrade my rental fleet, and improve my shop’s layout. Their process was fast, easy, and totally hassle-free. Thanks to them, business is booming, and more surfers are hitting the waves with the best gear in town!”