Business Line of Credit

A business line of credit you draw on only when you need it

A revolving limit for the uneven months: payroll before receivables land, inventory before a busy season. Draw what you need, pay only on what you use, and the room comes back as you repay.

Check what I qualify for Talk to a specialist

Collateral: None
Credit: 680+ ideal
Approval: Same or next day
Funded: In as little as 7 days

How it works in practice

You are approved for a limit, not a single lump sum.
Draw against it as needs come up and pay only on what you have drawn.
Repaid balances free up the limit again.
No use restrictions: inventory, payroll, equipment, marketing or acquisitions.
One of the fastest products we place. Approval often comes back the same or next day.

What you will typically need

Government-issued ID
Recent personal tax returns
A current credit report

Rates, terms, amounts and eligibility are set by the lender, not by Nivira Capital. Your specialist confirms the specifics for your file before anything is signed.

Questions

Lines of credit questions, straight answers

Approval can come back the same or next day, and clients can be funded in as little as 7 days once documents are in.

No. The business lines of credit we place require no collateral.

680 or higher personal credit is ideal. A co-signer with 680+ can help if you are under.

A term loan pays out once with a fixed payment. A line gives you a limit you draw on repeatedly, and you pay only on what you have drawn.

Other Options

Compare before you commit

Unsecured Term Loans$50K to $500K on personal credit. Startups qualify. SBA LoansLowest rates and longest terms, for strong files. Merchant Cash AdvanceApproved on revenue, not credit. Home Equity Line of CreditLow rates, secured by home equity.