Line of Credit — Lendflow Capital

What makes our line of credit different

A revolving credit line that behaves like a bank — without the bank timeline.

Only Pay for What You Borrow

Withdraw only what you need and pay interest solely on those funds.

Instant Funding, No Questions

Get your money within seconds — available 24/7, even on nights and weekends.

Build Business Credit

We report to business credit bureaus, helping you build credit with on-time payments.

Flexible Funding

Lines of credit from $10,000 up to $5,000,000 — whatever your business needs.

Types of line of credit

Understanding the structure helps you pick the right fit.

1

Secured

This type of line of credit requires businesses to put up specific assets as collateral. Since a line of credit is a short-term liability, lenders typically ask for short-term assets, like accounts receivable or inventory.

2

Unsecured

This type doesn’t require specific collateral, though your lender will likely place a general lien on your business and require a personal guarantee. You’ll likely need a stronger credit profile to qualify, and unsecured lines typically come with a lower credit limit.

3

Revolving

With a revolving line of credit, you replenish your available funds as you repay what you borrow. This gives you access to future funding without needing to reapply. Lendflow Capital’s business line of credit is revolving.

4

Non-revolving

Like a revolving line of credit, except your available funding doesn’t replenish as you make payments. You’re given a capped credit limit, and when you reach that amount, you exhaust your funding.

Frequently Asked Questions

The specifics on how our line of credit actually works.

How does my line of credit payback work?

With a Lendflow Capital Line of Credit, your funds are easily accessible and consolidated into one manageable loan with a simple weekly payment. As you repay the principal, your available credit is restored. Unlike many online lenders, our line of credit has no draw fees — only a straightforward monthly maintenance fee. Customize your payment amount and term to find a plan that works best for your budget.

Can I increase my credit limit later?

There are some times when you could really use access to additional funds. Based on your cash flow, net income, and payback history, you may be eligible for a credit line increase.

What will my line of credit actually cost?

The total cost of your line of credit will vary based on a number of factors, including your personal and business credit scores, time in business, and annual revenue and cash flow.

Do you offer term loans in addition to lines of credit?

You may have a project that could benefit from other types of small business loans beyond your business line of credit. At Lendflow Capital we understand, and we offer term loans that provide lump-sum funding up to $250,000. Reach out to your dedicated loan advisor if you think a term loan could help your business.

Will my payments help build business credit?

We report your payments to business credit bureaus so that every time you pay on time, you’re helping your business build a strong credit profile.

Revolving credit on your schedule