Best Business Line Of Credit For Your Small Business
These lenders offer credit lines to businesses of all sizes, from startups to stable and established operations.
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WRITTEN & RESEARCHED BY
Editor & Senior Staff Writer
Last updated onUpdated
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REVIEWED BY
Expert Contributor
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We evaluated business line of credit providers based on borrowing limits, rates and fees, repayment terms, borrower requirements, funding speed, lender transparency, and overall value. Here are our top picks.
Compare Our Top Picks
| Provider | Best For | APR | Borrowing Limits | Next Steps |
|---|---|---|---|---|
 | Overall Best Lines Of Credit | Starts at 8% | $250,000 | |
 | Best For Building Business Credit | Starts at 29.9% | $200,000 | |
 | Best Marketplace | Avg. 1% per month simple interest | $500,000 | |
 | Best For Large LOCs | Varies | $15 million | |
 | Best For Startups | Starts at 4.66% | $150,000 | |
| Show More Options | ||||
 | Best For Fast Funding | Starts at 7.8% | $250,000 | |
 | Best For Long Repayment Terms | Based on Prime Rate | $3 million | |
| Show Fewer Options |
Lendio
Best OverallOverall Best Lines Of Credit
Lendio is a business loan marketplace for small business owners who want to compare offers from multiple lenders.
With one application, businesses can access Lendio’s lender network for lines of credit, SBA loans, short-term loans, equipment financing, merchant cash advances, commercial mortgages, and other funding options. Rates, fees, terms, and funding speed vary by lender.
Time In Business
6 months
FICO
600
Revenue
$50,000/year
PROS
- Long-term financing options
- Compare multiple offers
- High credit limits
CONS
- Rates can be expensive
- Funds can take a while to disburse
OnDeck
Best For Building Business Credit
OnDeck is a business line of credit provider for borrowers who want access to working capital while building business credit.
OnDeck offers revolving lines of credit, fast applications, 24/7 funding access, no draw fees, and weekly repayments. OnDeck also reports to business credit bureaus for businesses that want to establish or strengthen their business credit profile.
Time In Business
12 months
FICO
625
Revenue
$100,000/year
PROS
- Lower costs for repeat customers
- No draw fees
- Term loans also available
CONS
- Not available in all states
- Not available to all industries
- Rates can be expensive
AdvancePoint Capital
Best Marketplace
AdvancePoint Capital is a marketplace for businesses that want fast access to multiple funding options.
With one application, borrowers may qualify for lines of credit, term loans, SBA loans, equipment financing, invoice financing, merchant cash advances, and other funding options. Same-day approval decisions and funding as soon as 24 hours may be available.
Time In Business
Varies by lender
FICO
Varies by lender
Revenue
Undisclosed
PROS
- High borrowing limits
- Same-day approvals available
- Good customer service
CONS
- Not all borrowing requirements are disclosed
National Business Capital
Best For Large LOCs
National Business Capital is a marketplace for businesses that need access to larger funding amounts.
Through its lender network, businesses may qualify for lines of credit, term loans, SBA loans, equipment financing, and cash flow loans. Funding may be available in 24 to 48 hours, though rates, fees, and terms vary by lender.
Time In Business
1 year
FICO
580
Revenue
$120,000/year
PROS
- Some startups may qualify
- Fast funding
- Fast and easy application
CONS
- Rates can be expensive
- High annual revenue requirement
Fundbox
Best For Startups
Fundbox is a business line of credit provider for borrowers who need a fast approval decision and easier eligibility requirements, so some startups may qualify.
Fundbox offers revolving lines of credit with approvals possible in minutes and funding as soon as the next business day. There are no draw fees or other added fees, but borrowers should be prepared for shorter repayment terms and weekly payments.
Time In Business
3 months
FICO
600
Revenue
$100,000/year
PROS
- Fast approvals
- Low credit score requirements
- Next-day funding available
CONS
- Rates can be expensive
- Frequent repayments
Bluevine
Best For Fast Funding
Bluevine is a business line of credit provider for established businesses that need fast access to funding.
Bluevine offers a quick application, instant approval decisions for eligible borrowers, immediate draws after approval, and expedited funding in hours for an added fee. Borrowers need to meet Bluevine’s credit, revenue, business structure, and time-in-business requirements.
Time In Business
12 months
FICO
625
Revenue
$10,000/month
PROS
- Same-day funding available
- Instant approvals available
- Lower credit score requirement
CONS
- Rates can be expensive
- High annual revenue requirements
PNC Bank Small Business Loans
Best For Long Repayment Terms
PNC Bank is a traditional bank option for established businesses that want a secured or unsecured business line of credit.
PNC offers unsecured lines of credit, secured lines of credit, monthly repayments, competitive variable rates, and a seven-year revolving credit period for approved borrowers. Qualification requirements are more stringent than many online lenders, but businesses that qualify may get stronger rates and longer-term access to credit.
Time In Business
Undisclosed
FICO
Undisclosed
Revenue
Undisclosed
PROS
- Competitive bank rates
- Larger credit lines available
- Long repayment terms
CONS
- Stringent borrower requirements
- Not available in some states
Best Business Lines Of Credit
Frequently Asked Questions
Erica Seppala
Editor & Senior Staff Writer at Merchant Maverick
Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
View Erica Seppala's professional experience on LinkedIn.
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