Application to open line, step by step.
Five steps, start to finish. Nothing hidden between them.
Five steps, no detours.
Apply in minutes
Answer a few questions about your business. Checking your estimated limit uses a soft pull only — no impact to your credit score.
We review your file
An underwriter looks at revenue, cash-flow consistency, existing debt, and time in business together — not a single number in isolation. What sets your limit.
Your limit opens
Approved lines typically run $10,000 to $250,000, based on your revenue and cash flow. The full amount sits ready — you haven't drawn a dollar yet.
Draw anytime
Transfer funds in seconds once your line is active. Interest accrues only on what you've actually drawn — the rest stays at zero cost.
Repay & redraw
Every dollar you repay restores your available balance, typically the same day. No reapplying — the line just refills and is ready again.