Who this is for
Owners who need flexible capital access and can manage draws responsibly.
Business Line of Credit
Business line of credit options for flexible capital.
A business line of credit lets an approved business draw funds up to a provider-set limit rather than receive one lump sum. It can help with recurring cash-flow needs; draw rules, repayment terms, fees, and whether repaid amounts become available again depend on the agreement.
Quick answer
A business line of credit may help with recurring timing gaps, inventory cycles, or short-term operating needs when flexible draw access is more useful than one fixed advance.
No obligation to accept an offer. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
Typical uses
Inventory cycles, payroll timing, receivables gaps, and recurring operating needs.
- Use as-needed
- Avoid unnecessary draws
- Plan repayment before using
Evaluation
Providers may review revenue consistency, bank activity, credit profile, time in business, and existing obligations.
Documents usually needed
- Recent business bank statements
- Business identification and owner contact details
- Requested amount, intended use, and timing
- Existing funding obligations, if any
How approval is evaluated
Providers may review revenue consistency, deposits, time in business, industry, existing obligations, owner profile, and whether the requested capital fits cash-flow capacity.
View requirementsRelated funding options
Common questions
No. Approval, terms, funding amounts, and time to funding depend on provider review and applicant qualifications.
Related resources
Related guides
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Ready to explore your funding options?
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Terms vary by provider