Business Line of Credit: Flexible Funds When You Need Them
Draw funds anytime to manage cash flow, seize opportunities, or cover unexpected expenses.
Access funds on demand
Funding in 24–48 hours
Reusable credit line for ongoing growth
Find Out How Much You Qualify For
Business Line of Credit: Flexible Funds When You Need Them
Draw funds anytime to manage cash flow, seize opportunities, or cover unexpected expenses.
Receive funds as fast as the same day
Funding in 24–48 hours
Reusable credit line for ongoing growth
Find Out How Much You Qualify For
Empower Your Business with On-Demand Financial Flexibility
$85M+
Approved Credit Lines for U.S. Businesses
4,200+
Companies Using Our Revolving Credit Solutions
92%
Client Retention Rate
24 Hours
Average Time to Access New Credit
Hear From Our Happy Clients
We make small business funding fast, transparent, and stress-free — so you can focus on growing what matters most
Requirements to Qualify
It’s easier than you think to get approved for a Business Line of Credit. Our application process is built for business owners who need flexible access to working capital — simple, transparent, and fast. Here’s what you’ll typically need:
6+ Months in Business
Continuous operation helps assess business stability.
$12,000+ Monthly Revenue
Revenue threshold to support revolving access to funds.
Business Bank Account
Required to manage draws and automatic repayments.
600+ Credit Score
ndicates eligibility and helps define credit limit.
Requirements to Qualify
It’s easier than you think to get approved for a Working Capital Loan. Our application process is designed for real business owners — fast, simple, and transparent. Here’s what you’ll typically need:
6+ Months in Business
Continuous operation helps assess business stability.
$10,000+ Monthly Revenue
Revenue threshold to support revolving access to funds.
Business Bank Account
Required to manage draws and automatic repayments.
500+ Credit Score
Indicates eligibility and helps define credit limit.
How It Works: Simple, Fast, and Transparent
Apply Online
Complete our quick online application — it only takes a few minutes and won’t affect your credit score.
Get Approved
Our team reviews your information and connects you with the best funding options for your business..
Receive Your Funds
Receive your funds the same day and start moving your business forward immediately
Get the Funding Your Business Deserves
Whether you’re expanding, covering expenses, or preparing for growth — our flexible financing options are designed to move your business forward fast. We’ve helped thousands of small businesses secure working capital quickly and confidently. You could be next.
How It Works: Simple, Fast, and Transparent
Apply Online
Complete our quick online application — it only takes a few minutes and won’t affect your credit score.
Get Approved
Our team reviews your information and connects you with the best funding options for your business.
Receive Your Funds
Receive your funds the same day and start moving your business forward immediately.
Get the Funding Your Business Deserves
Whether you’re expanding, covering expenses, or preparing for growth — our flexible financing options are designed to move your business forward fast. We’ve helped thousands of small businesses secure working capital quickly and confidently. You could be next.
Is a Business Line of Credit the Right Move for Your Company?
A Business Line of Credit offers flexibility to borrow only what you need, when you need it. It’s a great solution for managing operating expenses, provided it’s used strategically.
Key Benefits
- Flexible access to funds at any time.
- Pay interest only on what you use.
- Helps manage seasonal fluctuations effectively.
Potential Drawbacks
- Variable interest rates may increase costs.
- Overuse can lead to unnecessary debt.
- Requires solid credit and consistent revenue.
Why Choose Chartered Merchant Partners?
We make small business funding fast, transparent, and stress-free — so you can focus on growing what matters most
Fast Approvals
Get approved within hours — not days — with our streamlined application process.
Flexible Terms
Choose the repayment structure that fits your business cash flow.
Dedicated Support
Our funding experts guide you through every step — from application to success.
Transparent Rates
No hidden fees. No surprises. Just clear terms and honest funding
FAQs — Working Capital Loan
A Working Capital Loan is short-term financing designed to cover your business’s everyday operational expenses — like payroll, rent, or inventory — so you can maintain cash flow without interruption.
A Working Capital Loan is short-term financing designed to cover your business’s everyday operational expenses — like payroll, rent, or inventory — so you can maintain cash flow without interruption.
You generally need to show consistent business revenue, at least three months of operating history, and basic financial documentation. Credit requirements are more flexible than traditional bank loans.
Most businesses receive funding within 24 to 48 hours after approval, depending on the lender and how quickly documents are submitted.
You can use it for operating costs like payroll, inventory, rent, or to manage seasonal cash flow gaps — basically anything that helps your business stay on track.
No, the initial application uses a soft credit check, which doesn’t affect your score. A hard inquiry only occurs once you decide to move forward with full approval.
Smart funding for modern businesses.
Flexible options designed for real-world needs.