🔄 Line of Credit

Business Line of Credit
Draw. Repay. Repeat.

A business line of credit gives you flexible access to capital whenever you need it. Draw what you need, repay it, and draw again — Caply connects you with lines up to $500K with no impact to your credit score.

Get Funded Now — No Credit Impact
$10k–$2M Available Funded in 24–48 Hours No Credit Impact 50+ Lenders

Why Small Businesses Choose a Line of Credit Through Caply

Flexible access to capital — only pay for what you use.

📅

Seasonal cash flow

Draw funds when revenue dips, repay when it picks up.

⚡

Unexpected expenses

Handle emergencies without applying for a new loan.

📦

Inventory management

Stock up fast when opportunity strikes.

🔄

Revolving access

Repay and draw again — no reapplication needed.

💳

Pay only for use

Interest charged only on what you actually draw.

📣

Growth opportunities

Jump on deals, contracts, and opportunities immediately.

Funding Products Available to You

One application. Multiple competing offers. You choose what fits.

🚛

Equipment Financing

$25k–$2M | 2–5 days

Own the tools that win you bigger contracts. Finance trucks, heavy equipment, and specialty tools.

⚡

Working Capital Loan

$10k–$500k | 24 hrs

Cover payroll and materials while you wait on receivables.

💳

Business Line of Credit

$10k–$250k | Revolving

Draw funds when a job starts. Pay back when the client pays you.

📄

Invoice Factoring

Up to 90% of invoice | Same day

Turn unpaid invoices into immediate cash. Stop waiting on slow-paying clients.

See My Options — No Credit Impact

What Our Clients Say

★★★★★

"Having a line of credit through Caply is like having a financial safety net. I draw when I need it, pay it back, and it's there again. It's changed how I think about cash flow."

— Rachel P., Boutique Owner, Nashville
★★★★★

"We're a seasonal landscaping business — summer is great, winter is slow. The line of credit keeps us running year-round without taking out a new loan every spring."

— Mike D., Landscaping Business Owner, Denver

Caply vs. The Bank

The Old Way (Bank)
The Caply Way
Invoice-to-payment gaps kill cash flow
✅ Bridge financing available same day
Banks don't understand project-based revenue
✅ Lenders built for your business model
Equipment loans take weeks
✅ Funded in 2–5 days
Miss jobs waiting for capital
✅ Say yes to every opportunity

Don't Let Cash Flow Stop Your Next Big Job.

One application. No credit impact. Funded in as little as 24 hours.

Apply Now — Takes 5 Minutes Talk to a Funding Advisor

Frequently Asked Questions

Everything you need to know before you apply.

How does a business line of credit work?
A set credit limit you can draw from anytime, repay, and draw again. You only pay interest on what you use.
How fast can I access a line of credit?
Most lines of credit are approved and accessible within 24–48 hours. Once established, you can draw funds in minutes.
What credit score do I need?
Lenders in our network work with scores as low as 600. Revenue and time in business are weighted heavily alongside credit score.
Does applying affect my credit score?
No. Caply's application uses a soft pull only — your score is not impacted until you accept an offer.
What's the difference vs. a working capital loan?
A working capital loan is a lump sum with fixed repayment. A line of credit is revolving — draw, repay, repeat. Better for ongoing or unpredictable cash needs.
How much can I get?
Lines of credit from $10,000 to $250,000. Your limit is based on monthly revenue, credit profile, and time in business.

Still have questions? Start your free application — no credit impact, decision in minutes.