— Business Line of Credit
Flexible business funding, — available when you need it.
A business line of credit gives you access to funding you can draw on as needs arise. We help you understand whether it’s the right fit — and find the funding solution that actually matches your business.
- Since 2013
- Secure, encrypted application
$400M+
Funded
6,700+
Businesses
Since 2013
Serving business owners
Technology that makes funding faster. People who make it personal.
You get the speed of a modern process and one specialist who owns your file from first conversation to funding — someone who knows your business and your situation, not a queue of handoffs. You’re never passed from person to person explaining your story over again. Not an algorithm deciding your business’s future — a person who understands it.
01 — The basics
What a business line of credit is
The distinguishing feature is that the funding revolves. You draw what you need, repay it, and the amount available to you replenishes — so the same arrangement can cover a series of needs over time rather than one defined purchase.
Definition
A business line of credit is a flexible form of business funding you can draw on as you need it, up to an available limit — you access funds when needs arise, repay, and the funding replenishes for future use.
Managing seasonal or uneven cash flow across the year
Covering a short-term gap between receivables
Acting on a time-sensitive opportunity
Keeping capital available as a cushion
02 — When it fits
When a line of credit may fit
A revolving arrangement suits some situations and not others. The honest answer usually depends on whether your need recurs or is defined once.
A line of credit may fit when
Your needs recur and you can’t size them in advance.
You want funding standing by rather than drawn all at once.
You expect to repay and access the same funding again.
Working capital financing may fit better when
You have one defined need you can size up front.
You prefer a set amount on a clear, predictable schedule.
The need is immediate rather than ongoing.
Working Capital Financing →
Available funding range
Varies by business
The funding available through a line of credit depends on your business and eligibility — it isn’t a one-size figure. A specialist reviews your situation individually. As a general starting point for fit, many businesses we help have $10K+ in monthly business deposits and a business bank account — a starting point, not an automatic qualification.
03 — Compare
How the structures differ
Three common structures, side by side. Each suits a different shape of need.
| Structure | Line of Credit | Term Loan | Merchant Cash Advance |
|---|---|---|---|
| Best for | Recurring or unpredictable needs you can't size in advance | A single defined need you can size up front | Steady-sales businesses wanting flexible access |
| Access | Draw what you need, when you need it | Full amount provided at the start | Lump sum provided at the start |
| Replenishes | Yes — available funding replenishes as you repay | No — a new arrangement is needed for further funding | No — a new advance is needed for further funding |
| Structure | Revolving; you're responsible for what you've drawn | Fixed schedule over a set term | A share of receivables as sales come in |
04 — How we help
How we help you explore your options
01
See if you qualify
A short set of questions about your business — no impact to move forward.
02
Talk to a specialist
A real person reviews how your business operates and what the funding is actually for.
03
Find the right funding
Your specialist walks you through the options that fit. For many businesses that turns out to be working capital financing rather than a revolving arrangement.
05 — Why Zip
Why businesses choose Zip
One specialist, not a call center
One person owns your file from start to funding and knows your business — no being passed around, no re-explaining your story.
A process built to move
Technology handles the friction so decisions don’t stall.
Since 2013
Thousands of businesses funded, and a track record you can check.
Straightforward from the start
Clear criteria, clear path, no surprises.
08 — FAQ
Business line of credit questions
On this page
- What is a business line of credit?
- How is a business line of credit different from working capital financing?
- What does a business line of credit cost?
- Do I qualify?
- Should I choose a line of credit before contacting Zip?
- How much funding can a business line of credit provide?
- How does drawing and repaying work?
- How quickly can funding be arranged?
What is a business line of credit?
A business line of credit is a flexible form of business funding you can draw on as you need it, up to an available limit — you access funds when needs arise, repay, and the funding replenishes for future use.
How is a business line of credit different from working capital financing?
A line of credit is revolving: funding stays available and replenishes as you repay, which suits recurring or unpredictable needs. Working capital financing provides a set amount up front on a defined schedule, which suits a specific known need. Many businesses that start by exploring a line of credit find working capital financing is the closer fit once a specialist reviews the situation.
What does a business line of credit cost?
Cost depends on the structure and on your business’s specifics, so it is discussed with a specialist rather than quoted as a one-size figure. Your specialist walks you through the full cost of any option clearly before you commit to anything.
Do I qualify?
A typical starting point for fit is $10K+ in monthly business deposits and a business bank account where revenue is deposited. That is a starting point, not an automatic qualification — every business is reviewed individually by a specialist.
Should I choose a line of credit before contacting Zip?
No. You do not need to pick a product first. Start by seeing whether you qualify, then a specialist reviews how your business operates and walks you through the funding options that actually fit — a line of credit, working capital financing, or something else.
How much funding can a business line of credit provide?
The funding available through a line of credit depends on your business and eligibility — it isn’t a one-size figure, and a specialist reviews your situation individually. As a general starting point for fit, many businesses we help have $10K+ in monthly business deposits and a business bank account.
How does drawing and repaying work?
You draw the amount you need against the funding available to you, repay what you have drawn, and the available funding replenishes for future use. You are only responsible for what you have actually drawn, not the full amount available.
How quickly can funding be arranged?
Zip’s process is built to move faster than a traditional bank process. Your specialist gives you a realistic timeline for your situation once your information has been reviewed.
See what your business qualifies for.
A few questions, a real specialist, a clear path forward.
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