# Business Line of Credit

> Revolving funds you can draw on anytime — only pay for what you actually use.

## Key takeaways
- A business line of credit offers $6K to $250K of revolving funds you can draw on anytime, with interest charged only on what you use.
- As you repay, your available credit replenishes, so you can reuse it without reapplying each time.
- It fits ongoing or unpredictable expenses and smooths cash flow for seasonal or uneven revenue.
- Typical requirements are 6+ months in business, $10K+ in monthly revenue, and fair credit or better, with funding in 1–3 days.

A business line of credit is the most flexible financing tool a company can have. You're approved for a credit limit, then draw funds whenever you need them and **only pay interest on what you use**. As you repay, your available credit replenishes.

## Why businesses choose a line of credit

- **On-demand cash** without reapplying each time
- **Pay only for what you use** — keep it open as a safety net
- **Smooths cash flow** for businesses with seasonal or uneven revenue

## Best for

Ongoing or unpredictable expenses — the opposite of a one-time purchase. If you don't know exactly when or how much you'll need, a line of credit is usually the right call.

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Canonical: https://hoss-capital.pages.dev/products/line-of-credit/