Business lines of credit
Flexible working capital for your business needs.
A revolving line of credit gives your Texas business cash on demand without the commitment of a term loan. Pay interest only on what you use, and once repaid, funds become available again. Ideal for seasonal cash flow gaps, payroll between large receivables, and time-sensitive opportunities.
What financing typically looks like.
Ranges are indicative. Final structure depends on your business profile, lender criteria, and current market conditions.
- Credit limit
- $25K to $500K+
- Draw term
- Revolving, renewed annually
- Typical rate
- Prime + 1% to 8%
- Time to fund
- 3 to 7 days
- Collateral
- Unsecured or blanket lien
- Revolving credit, borrow, repay, borrow again
- Only pay interest on what you use
- Access funds quickly when opportunities arise
- Lines up to $500,000+ depending on qualifications
- 1+ year in business
- Minimum 625 credit score
- $15K+ in monthly revenue
- Business bank statements (last 6 months)
Ideal use cases
Seasonal cash flow, payroll during slow months, inventory purchases, bridging gaps between receivables and payables.
Estimate your payment.
Business line of credit calculator
Pay interest only on what you draw — estimate your carrying cost.
Estimates only — actual terms depend on your business profile and lender criteria.
Common questions about line of credit.
How is a line of credit different from a term loan?
A term loan funds a lump sum repaid over a fixed schedule. A line of credit is revolving, you draw only what you need, when you need it.
Are there fees if I do not draw on the line?
Some lenders charge a small unused line fee (typically 0.25% to 0.50%). Many lines have no maintenance fees at all.
How fast can I access funds once approved?
Once your line is set up, draws are usually available within 1 business day via ACH transfer.
Can a startup qualify?
Most line of credit lenders require at least 6 to 12 months in business. Newer businesses should consider working capital loans or alternative funding.
Ready to apply?
Talk with a Texas-based TCS advisor. Free consultation, soft credit check only, response within 24 hours.
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