Business Line of Credit: Flexible Working Capital When You Need It

A business line of credit gives your company access to a set amount of capital — from $10,000 to $2,000,000 — that you can draw from whenever you need it. You only pay on what you draw, and as you repay, your available credit is restored, so you can use it again without reapplying.

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At Brookestone Funding, we offer business lines of credit that keep your cash flow steady through slow seasons, unexpected expenses, and new opportunities. We look at your business revenue and cash flow, not just your credit score, so businesses with fair credit can still qualify.

How a Business Line of Credit Works

Getting and using a line of credit with Brookestone Funding is simple:

Apply: Complete a short application and share your recent business bank statements.
Get approved for a credit limit: We review your revenue and cash flow and set a limit between $10,000 and $2,000,000. Funding typically takes 1–3 days.
Draw what you need: Pull funds from your line whenever you need them. You only pay on the amount you draw, not the full limit.
Repay and reuse: Terms run up to 36 months. As you pay down your balance, those funds become available to draw again.

Common Uses for a Business Line of Credit

A line of credit is best for ongoing, short-term needs where you don’t know exactly how much you’ll need or when. Common uses include:

Cash flow gaps: Cover payroll, rent, and bills while you wait on customer payments.
Inventory: Stock up ahead of busy seasons or take advantage of supplier discounts.
Seasonal swings: Keep operations running smoothly during slower months.
Unexpected expenses: Handle emergency repairs or equipment breakdowns without draining reserves.
Growth opportunities: Fund marketing, new hires, or a large order when the opportunity comes up.

Pros and Cons of a Business Line of Credit

Pros

Pay only for what you use: You pay on the amount you draw, not your full credit limit.
Revolving access: Repaid funds become available again without a new application.
Fast funding: Approved businesses are typically funded in 1–3 days.
Fair credit considered: Businesses with credit scores from 600 can qualify.

Cons

Revenue requirements: You’ll generally need at least $30,000 in monthly revenue and 2+ years in business.
Costs vary with use: Your total cost depends on how much you draw and how long you carry a balance.
Not ideal for large one-time purchases: For a single big investment, a term loan or equipment financing may be a better fit.

Frequently Asked Questions (FAQ)

How much can I get with a business line of credit?

Brookestone Funding offers business lines of credit from $10,000 to $2,000,000, based on your business’s revenue and cash flow.

What do I need to qualify for a business line of credit?

Most approved businesses have 2+ years in business, $30,000+ in monthly revenue, a 600+ credit score, and recent business bank statements.

How fast can I access funds from a line of credit?

Approved businesses are typically funded within 1–3 days, with terms up to 36 months. Once your line is open, you can draw funds whenever you need them.

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