Line of Credit
Capital on standby, not capital sitting idle
Get approved once, then draw only when you need it. Repay and the full limit becomes available again — no reapplying.
- $0K – $500K
- Credit limit
- 0 – 24 months
- Draw term
- 0.0%
- Rates from
- 0 – 48 hrs
- Time to first draw
Best for
Is this the right fit?
- Smoothing uneven receivables and payables
- Covering payroll between client payments
- Taking early-payment discounts from suppliers
- Emergency repairs and unplanned expenses
- Businesses that want access without carrying a balance
Typical requirements
- 6+ months in business
- $10,000+ in average monthly revenue
- 580+ personal credit score
- Three months of business bank statements
- No open bankruptcies
How it works
From application to funded
No document black holes. You always know what stage you're in and what happens next.
Get a limit
We underwrite once and set your maximum. There's no cost to hold an unused line.
Draw on demand
Request a draw from your dashboard. Funds move by same-day or next-day ACH.
Repay and reuse
As you pay down principal, the limit replenishes automatically for the next need.
FAQ
Questions, answered
Do I pay anything if I never draw?+
On most programs, no. On a few programs a small monthly maintenance fee applies — we'll flag it clearly if yours does.
How is interest calculated?+
Only on your outstanding balance, accrued daily. Repay a draw early and you stop paying for it.
Can the limit grow?+
Yes. Consistent repayment and revenue growth typically qualify you for a limit increase after a few months.
Line of credit or term loan?+
Use a line for recurring timing gaps and a term loan for a single large investment. Many businesses keep both.
One application, many options
Apply once and we match your file against the products that actually fit.
A real advisor
Every business is assigned a dedicated Flyfill advisor from application through payoff.
No surprises
Total cost of capital, payment schedule, and prepayment terms disclosed up front.
Ready when you are
One short application. A dedicated advisor. Funding decisions instant to 2 hrs.