Access revolving capital up to $500K. Pay interest only on what you use. The Broker Shop finds the best line of credit for your business — fast, free, and no obligation to start.
The most flexible form of business financing — use it, repay it, use it again.
A business line of credit works like a credit card for your business — but with higher limits, lower rates, and no plastic required. You're approved for a maximum credit limit, and you can draw funds any time you need them, up to that limit. You only pay interest on the amount you've actually drawn, not on the full available balance.
As you repay what you've drawn, those funds become available again — giving you continuous access to working capital without reapplying. This makes a line of credit the ideal financial safety net for managing cash flow gaps, seizing unexpected opportunities, or handling seasonal fluctuations.
Perfect for flexible, ongoing capital needs.
Bridge the gap between invoices going out and payments coming in without disrupting operations.
Stock up before your busy season or take advantage of bulk supplier discounts.
Make payroll on time even during slow periods — keep your team paid and your reputation intact.
Equipment breaks down. A line of credit means you fix it today, not when the bank approves a loan.
A big contract lands. Draw from your line to fulfill it — without waiting weeks for loan approval.
Draw in slow months, repay in strong months. A line of credit naturally fits seasonal cash flow patterns.
Get approved once, draw funds whenever you need them.
Pre-qualify in 2 minutes — checking your options won't affect your credit score. Funders in our network compete for your business, and we bring you the strongest limit and terms offered.
Once approved, draw as much or as little as you need — up to your credit limit. Funds hit your account fast.
Make regular payments on what you've drawn. As you repay, your available balance resets — ready to use again.
What most funders look for.
One application, compared across the funders whose guidelines you meet.
You get a business line of credit by showing consistent revenue through a business bank account. Most funders want roughly six months of trading history, steady monthly deposits, and a business account the money actually flows through. You apply once, the file is matched to funders whose guidelines you meet, and you compare the limits and terms that come back.
The documents are lighter than a bank package: three to six months of business bank statements, a government ID, your EIN, and a voided check are the usual starting set. Two things slow a file down more than anything else — revenue split across several accounts, so no single statement shows the real monthly figure, and an undisclosed advance or loan already being repaid out of the same account. Both are far easier to explain up front than to explain after an underwriter finds them. Our guide to the documents needed for business funding covers the full list.
The Broker Shop is a funding broker, not a funder, so this is one application rather than a series of them. That matters more for a line of credit than for most products, because a line is something you want in place before you need to draw on it — and a business applying while its statements still look strong is a materially different file from the same business applying after two thin months. Borrowing is ordinary, not exceptional: in the Federal Reserve's 2026 Report on Employer Firms, 38 percent of small employer firms had applied for a loan, line of credit or merchant cash advance in the prior 12 months, and the most common reason firms sought financing at all was simply to meet operating expenses (56 percent).
Interest on what you draw — plus the fees that sit around it.
A line of credit costs interest on your drawn balance, charged only while that balance is outstanding, plus whatever fees the agreement attaches to the facility itself. Nothing accrues on the undrawn portion. That is the structural advantage over a term loan: an unused line is close to free, while an unused lump sum is being paid for from day one.
The rate you are offered is not a number anyone can quote you in advance, because it is built from your file: time in business, monthly revenue and how steady it is, credit profile, industry, and whether anything else is already being repaid out of the account. What you can do is compare offers on the same basis. Ask every funder the same four questions — how interest is calculated and over what period, whether there is a draw fee each time you pull funds, whether a monthly or annual maintenance fee applies whether or not you draw, and what the minimum draw and repayment term are.
Those fees are where two apparently similar offers separate. A facility with a slightly higher rate and no draw fee can easily cost less than a cheaper-looking one that charges every time you access it, if you draw often and repay quickly — which is exactly how most owners use a line. Work out the total cost across the way you will actually use the facility over a year, not the headline number. If your need is a single, known, one-time amount rather than a recurring gap, compare against a business term loan; if the gap is money customers already owe you, invoice factoring is usually the cheaper instrument.
Sources: Federal Reserve Banks — 2026 Report on Employer Firms: Findings from the 2025 Small Business Credit Survey · U.S. Small Business Administration — 7(a) loan program, including SBA-backed lines of credit
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