Trusted by 8,000+ U.S. businesses Funded in as little as 24 hours
Line of Credit — Spark Business Lending
Business solution

Flexible capital, on demand.

A revolving business line of credit gives you ready capital for almost any need — inventory, payroll, a new hire, or a surprise opportunity. Borrow only what you use. Repay. Borrow again.

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Up to $1M
Credit limit
6–36 mo
Draw term
From 4.5%
Starting rate
1–2 days
Time to fund

How a line of credit works

You get approved for a set credit limit. Draw what you need, when you need it — interest only accrues on what you actually use. Repay, and the full amount becomes available again. It’s the cash-flow safety net every growing business wants.

Pay only for what you use

Interest accrues only on drawn funds.

Revolves automatically

Repay and those funds become available again.

Process

Get approved in three steps

1

Apply for free

60-second application. No obligation, no hard credit pull.

2

Review your line

See your approved limit, rate, and draw terms clearly laid out.

3

Draw when ready

Request funds any time — they transfer in as little as a day.

Why business owners love a line of credit

Unlike a term loan, you’re not paying interest on money sitting in your account. It’s the most flexible form of business capital — perfect for managing seasonality, covering gaps between receivables, or jumping on a limited-time opportunity.

  • Only pay interest on what you actually draw
  • Revolving structure — ready the moment you need it
  • Use for inventory, payroll, marketing, or emergencies
  • Build credit history with on-time draws & repayments

Apply for funding today

12+

Years in business

$2B+

Amount funded

8k+

Businesses funded

97%+

Approval rating