Revolving Line of Credit

  • Get funded in as little as 24 hours
  • Finance up to $750,000
  • APR starting at 7%
  • Transparent loan terms
  • Improve your credit score
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Revolving Business Line of Credit

Flexibility to access working capital whenever a business need arises.

Get a Revolving Line of Credit for Flexible Financing

A revolving line of credit can provide additional cash reserves to small business owners. You only pay interest on the amount you choose to withdraw, and you’re able to use the funds as needed.

The flexibility makes it a competitive option for those wanting greater freedom with how they manage and use capital. Like a financial safety net, a revolving credit line allows quick access to funds for any business expenses that come your way.

We're committed to helping small business owners pursue the American dream by providing flexible financing solutions to keep moving forward.

Advantages to a Revolving Line of Credit

A revolving line of credit gives you more options than a traditional business loan. You can tap into funds as business expenses come up, only paying interest on the amount you use. Keep your small business running smoothly with a readily available cash reserve.

Build your credit rating

Use a revolving line of credit to lower your credit utilization ratio and increase your credit score. Credit reporting bureaus like to see that you’re not using all the credit you’ve been extended.

High approval rates

Business owners across a range of industries are able to secure credit lines. Borrowers with different types of credit scores can be approved.

Flexible financing

Choose how you use your working capital. A revolving line of credit allows you to borrow money on an as needed basis, up to a predetermined limit.

Competitive APRs

Our lending advisors work to get you the lowest APR available. Interest on a revolving line of credit is charged on an accrual basis. So you only pay interest on funds that you utilize. This reduces your costs and is a great option for managing day-to-day business expenses.

Convenient access to capital

Easily supplement cash flow and cover unforeseen expenses. Quick access to capital allows you to manage unexpected circumstances with ease and focus on meeting business goals.

No prepayment penalties

We make sure there are no surprises. That’s why when you finance with us no fees are assessed for prepayments. Our team will walk you through the entire process and payment schedule so you can make a choice that is right for you.

Common Business Uses for a Revolving Credit Line

A revolving credit line can be instrumental for your business to manage daily expenditure. Having easy access to working capital gives you the confidence to grow and thrive.

1. Seasonal Fluctuations

Businesses often experience upticks and downward trends depending on the season. This can leave companies scrambling to cover cash flow gaps. Securing a line of credit is a reliable way to keep things operating seamlessly during a sales slump.


2. Expanding to New Locations

Establishing store-fronts in multiple areas can be an exciting sign of growth. Opening a new physical location can also come with hefty up-front costs. Rather than stress about being strapped for cash, use your credit line to finance the expansion until your new business generates sustainable profit margins.


3. Hiring Employees

Tight operating budgets can leave little room to afford a growing labor force. Easily tap into a pool of funds so you can invest in the right talent at the right time, no matter the circumstances.


4. New and Upgraded Equipment

Increasing inventory and buying new equipment can be costly. Businesses can use a credit line to purchase what they need when they need it.


5. Invoicing Gaps

Waiting on invoice payments can create short-term cash flow gaps. A line of credit can make you feel in control of the situation when a client makes a late payment. Having a plan in place and extra cash available can help you deal with the worst in an organized and efficient manner.




Frequently Asked Questions about Revolving Lines of Credit


A revolving credit line is a type of financing where a fixed amount of credit is extended to a business to be paid back over time. It allows you to withdraw and repay funds as you go, up to your borrowing limit. Once you pay back the amount owed, the limit resets, and capital becomes available to you again.
Lenders give businesses access to a pool of funds to address any business costs. Revolving credit can be secured and unsecured, depending on the situation. Borrowers don’t need to pay interest on the total credit extended - interest is only incurred on whatever capital is used.
With revolving credit, you’re extended a certain amount of credit and can keep borrowing until you hit the credit limit. The credit renews as you pay off debt and there are no fixed payments. With installment credit, you borrow a fixed amount and make regular, scheduled payments towards the loan, until it’s paid off in full.
A revolving line of credit is similar to a line of credit in almost all aspects, except one key differentiator. A revolving line of credit replenishes after you pay back some of the borrowed funds. As you pay off used credit, more credit becomes available. Non-revolving credits do not replenish after a payment is made. Paying down the non-revolving credit line decreases the total amount owed, but does not result in more funds becoming available.
Credit cards, business credit lines, and home equity lines of credit (HELOC) are all forms of revolving credit.

Types of companies we've offered lines of credit

Approval requirements

  • keyboard_arrow_right Have been in business for over 6 months
  • keyboard_arrow_right Generate at least $10,000 per month in revenue
  • keyboard_arrow_right Can provide last 3 months of bank statements

Lending advisors that are experts in getting you funded

When you choose Clarify, we consider you family -- and work with you through the ups and downs of running your small business.Manufacturing Financing Team

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Fast small business loans

"I have worked with Clarify Capital to secure multiple loans for my company of the past few years. They are professional, trustworthy and efficient in all of their work. They overcame obstacles to get my company the funding they needed to continue our growth. The funding allows me to buy raw materials at a discount, improving my profitability."

Stephanie
Toy Manufacturer
New Jersey
5-star Trustpilot reviews5-star Trustpilot ratingClarify Capital is rated 10/10 based on 116 reviews on Trustpilot
Ready To Grow Your Business?

Get pre-approved for a business revolving line of credit today and have money in your account within as little as 1 day. Prequalify without affecting your credit! Online application takes 2 minutes.