Draw when you need. Pay what you use.

One short form. Multiple lenders. Soft credit pull only. A revolving line of credit you can tap for payroll, inventory, or opportunity — only pay interest on what you actually draw.

Or call (323) 435-6443
256-bit SSL GLBA Compliant Soft Pull Only No Hidden Fees
One form, many lenders
Soft pull · credit safe
Zero fees
Funded 3–10 days
Grocery store co-owners smiling in their shop, aprons on, warm interior — small business operators.
Draw what you need.Interest on used portion only.
40+
Institutional
Lenders
50/50
All US
States Covered
$5M
Max Loan
Amount
24hr
Avg. First
Offer Returned
$1.4B+
Facilitated*
$5M
Max Loan
3–10d
Avg Funding
4.9/5
2,800+ Reviews

*Cumulative figure across FindMyLineOfCredit, affiliated marketplace partners, and participating lender network since 2023. Individual approval amounts, terms, and APRs vary by lender and borrower profile.

How It Works

Three steps. Minutes, not weeks.

A line of credit is the most flexible form of business credit — a committed limit you can draw from, repay, and draw again. We just make the matching part radically faster.

01

Tell us about your business

One short form. Revenue, time in business, credit limit you want, three months of bank statements. Soft pull only.

02

We match you to lenders

Our underwriting engine routes your file to the lenders most likely to approve your amount at the best APR for your profile.

03

Accept & get funded

Compare the offers that come back. Pick the APR and term that fits. Funds hit your account in 3–10 business days.

Line of Credit Types

The right line for how you cash flow.

Our lender network covers every line-of-credit structure — from unsecured working-capital lines to SBA-backed revolving facilities.

Business Line of Credit

Revolving · Draw as needed

A traditional revolving line. Draw any amount up to your limit, pay interest only on what you use. Perfect for inventory, payroll smoothing, and seizing opportunity.

$50K–$5Minterest on draw only

Invoice Financing

Collateralized · Immediate cash

Advance against outstanding invoices. Convert accounts receivable into immediate cash. Best for businesses with longer customer payment cycles (net-30, net-60, net-90).

$50K–$5MAR-backed advance

Short-Term LOC

Fast approval · 6–24 months

A short-horizon revolving line for emerging businesses. Faster underwriting, shorter commitment, higher APR than long-term lines. Funds often in under 72 hours.

$50K–$5M24–72hr funding

SBA Line of Credit

Government-backed · Lowest APR

A revolving line backed by the Small Business Administration. The lowest APR available for business lines (10.5–13%), but slower approval cycle (4–8 weeks).

$150K–$5MSBA guaranty
Payment Calculator

Know your monthly payment before you apply.

Line-of-credit APRs typically range 10%–24% depending on structure and borrower profile. Model your scenario below — this calculates interest-only cost on a sample draw.

$500,000Credit Limit
60 monthsTerm Length
12.5%APR

APR ranges: Short-term 14–22% · Standard 10–16% · Equipment 8–14% · SBA 7(a) 10.5–13%.

Est. Monthly Payment
$11,249
on $500K over 60 months @ 12.5% APR
Total Interest
$174,922
Total Paid Back
$674,922
Illustrative only. Final APR depends on business profile and lender review.
Start Your Pre-Qual

A real APR estimate. Before anyone pulls hard credit.

Our underwriting engine pre-scores your deal before any lender sees your file.

Soft pull · no hard inquiry

Your credit stays untouched during pre-qualification. A hard pull only happens if you accept an offer.

Data stays in-house

Reviewed by our underwriting team. Never sold to third-party aggregators.

You pick the lender

Compare APRs and terms side-by-side. You choose which lenders can contact you — per-lender, not blanket.

Bank-level security. Your file is 256-bit encrypted end-to-end. Only the specific lenders you check off see your data — never sold to data brokers, marketers, or any lender you didn't approve. If we add a new lender that fits your profile, we'll ask for your approval before sharing anything.

Tell us about your business

30 seconds · no credit pull yet

What are you funding?

We'll match you to the right loan structure

Credit & docs

Soft pull only — your credit stays untouched

Upload last 3 months of bank statements
Bank-level 256-bit encryption
Combined PDFs or JPGs · 25MB max · Soft credit pull only — your credit stays untouched
Encrypted end-to-endStatements never sit in plain text — GLBA-compliant handling
SOC 2 Type II infrastructureEncrypted at rest + in transit, 24/7 monitoring
You own your dataEmail privacy@findmylineofcredit.com for deletion anytime
Never sold to brokersOnly lenders you approve see your data
Analyzing bank statement patterns...
Running fraud detection + NSF scan...
Fetching soft credit (FCRA permissible purpose)...
Matching to our lender network...
B
Grade B · Qualified
Clean deposits · Strong consistency · No active MCA position
Estimated loan range
$500K – $2M
Est. APR range
11% – 14%

Pick your lenders

Check the lenders you want to receive offers from. Each requires its own TCPA consent.

American Funding Services★ Preferred
Est. $500K–$5M · 10%–13% APR · Standard Term
By checking this, I give my prior express written consent for American Funding Services to contact me by phone, text, and email (including automated/pre-recorded calls, texts, and AI-generated messages) at the number provided, for both this inquiry and future promotional communications. Reply STOP to opt out.
ACE Funding LLC
Est. $250K–$2M · 12%–16% APR · Equipment / Standard
By checking this, I give my prior express written consent for ACE Funding LLC to contact me by phone, text, and email at the number provided. Reply STOP to opt out.
Smart Business Funding
Est. $100K–$500K · 14%–18% APR · Short-Term
By checking this, I give my prior express written consent for Smart Business Funding to contact me by phone, text, and email at the number provided. Reply STOP to opt out.
Dash Funding
Est. $50K–$250K · 17%–22% APR · Short-Term
By checking this, I give my prior express written consent for Dash Funding to contact me by phone, text, and email at the number provided. Reply STOP to opt out.
Priority routing + same-day contact
Move to top of each selected lender's queue · priority review
+$9.99

Soft credit inquiry only at pre-qualification · No hard pull until you accept a specific lender offer · Residents of CA, FL, NY, and TX, see the state-specific notices.

Frequently Asked

Questions? Answers.

Is this really a soft credit pull?
+
Yes — soft inquiry only during pre-qualification. Soft pulls are invisible to lenders and never affect your credit score. A hard pull only happens if you accept a specific offer.
How is a term loan different from a line of credit?
+
A term loan is a one-time lump sum with a fixed repayment schedule. A line of credit is revolving. Term loans are better for defined one-time purchases. LOCs are better for cash-flow smoothing.
What APR will I actually qualify for?
+
Grade A borrowers with equipment-collateralized loans see 8–12%. Standard-term 10–16%. Short-term unsecured 15–22%. SBA 7(a) is the lowest at 10.5–13%.
Can I pay off the loan early?
+
Most loans in our network have no prepayment penalty. A few have early-payoff fees in the first 12 months. All prepayment terms are disclosed on each specific offer before you sign.
How fast can funds hit my account?
+
Short-term: 24–72 hours. Standard-term: 3–10 business days. Equipment: 5–15 days. SBA 7(a): 4–8 weeks.
Do you sell my information to lenders?
+
No. Your file is only shared with lenders you specifically check off in Step 4. Non-selected lenders never see your data.

Find your line of credit. In minutes.

Match with the right lender in under two minutes. Soft pull. Zero application fees. See your real APR range and draw limit before anyone makes you promises.

Priority routing

One-time charge · adds priority queue tag + same-day lender contact.

Priority Routing Fee$9.99

Secure checkout by Stripe. We never see your card. Charges appear as SCS LLC · Priority Routing.