Line of Credit
Trusted business financing financing partner
With a focus on speed, service, and flexibility, we help companies access the capital they need to grow, expand, and lead in competitive markets.
Access capital when you need it, with a revolving line
A business line of credit gives you flexible, on-demand access to funds — ideal for covering short-term needs, managing cash flow, or seizing new opportunities without reapplying each time.
- Expert help
- Proven results
FLEXIBLE BUSINESS FUNDING
A smart way to secure business funds on your terms
Enjoy the confidence of fast approvals, credit-building potential, and funding when you need it, built for modern business demands.
Only pay for what you borrow
Withdraw funds as needed — pay interest only on what you use.
Instant funding, no questions
Get your money within seconds — 24/7, including weekends.
Build business credit
We report to business credit bureaus to help strengthen your financial standing.
LINE OF CREDIT BASICS
Built for flexibility, speed, and control?
Tap into ongoing capital with terms designed to match your cash flow and momentum.
Insights and assistance
Frequently asked questions about funding
Find answers to common queries and gain valuable insights into credit decision-making.
Cloud Funding provides trusted small business Term Loans and revolving Lines of Credit. With one easy application, you can qualify for both, giving you flexible options to meet your business needs.
You can qualify for Term Loans ranging from $10,000 to $500,000, with repayment terms between 3 and 24 months.
Our Lines of Credit go from $10,000 up to $5,000,000, featuring 12-month repayment schedules for each draw. As a revolving credit line, your available balance refreshes as you repay.
Getting started is quick and stress-free — it only takes a few minutes. You can apply online or call us directly at (312) 555-0198. Just submit basic business and ownership details along with your last three months of bank statements.
No, applying won’t affect your score. We use a soft credit check, which doesn’t impact your personal credit. If a full (hard) inquiry is ever needed, we’ll always reach out first for your permission.
To qualify, your business should be at least 1 year old and generate $100,000+ in annual revenue. A personal credit score of 625 or higher is typically required. Most of our clients have been in business for 3+ years, bring in $300,000+ annually, and hold a FICO score of 650+. We support over 700 industries, so chances are we can work with you.
Applying is quick and easy. To complete your application, you’ll need your business tax ID (EIN), Social Security number, estimated annual revenue, average bank balance, and your last three months of business bank statements. Having this information ready helps us keep the process smooth and fast.