Business Line of Credit
Access fast, flexible working capital with a business line of credit.
Grand Funding Line of Credit
A Grand Funding line of credit provides a revolving source of funds that you can draw from as needed, giving you greater control over your cash flow. It’s ideal for managing day-to-day expenses, addressing seasonal fluctuations, or covering unexpected costs without disrupting your operations. With guidance from our dedicated funding advisors, you can structure your line of credit to align with your business cycle, helping you plan for both short-term needs and long-term growth. Having this reliable access to capital gives you the flexibility to focus on running your business with confidence and stability.
Revolving
credit line worth $6K-$200K
Flexible
12, 18 or 24 months repayment terms
Customizable
monthly or weekly payments
What is a business line of credit?
A Business Line of Credit offers flexible access to capital with a preset credit limit you can draw from whenever your business needs it. Funds are deposited directly into your business account, allowing you to use only what you need. You’ll typically pay financing costs only on the amount you draw, not the full credit limit. As you repay the balance, those funds become available again — giving you ongoing access to working capital.
This flexibility makes a business line of credit a smart solution for managing cash flow, covering operational expenses, handling seasonal fluctuations, or supporting growth initiatives. It can also serve as a financial cushion, helping your business stay prepared for unexpected expenses or new opportunities.
With Grand Funding, you gain reliable access to capital designed to keep your business moving forward with confidence and control.
Benefits of a Grand Funding Line of Credit
Pay Only for What You Use
Access the funds you need, when you need them. Financing costs are applied only to the amount you draw — not your full credit limit.
Fast Access to Funds
Once approved, funds are deposited directly into your business account so you can move quickly when opportunities or expenses arise.
Support Your Business Credit Profile
Responsible repayment can help strengthen your business’s financial standing and support long-term growth.
Understanding How a Business Line of Credit Works
A line of credit gives your business ongoing access to capital without locking you into borrowing more than you need. Once approved, you receive a set credit limit and can request funds as needed based on your current priorities.
As payments are made, your available balance restores, so you can continue using your line without reapplying. This makes it a practical solution for businesses that experience fluctuating expenses, uneven revenue cycles, or growth opportunities that require quick access to working capital.
With credit lines available up to $200,000 for qualified businesses, you maintain control over how much you use and when you use it. Financing costs apply only to the amount drawn, helping you manage expenses more efficiently while supporting your company’s financial strength over time.
Simple Steps to Secure Funding
Begin Your Application
Our simple online process is designed to make applying straightforward and efficient.
Review Your Options
Connect with a dedicated funding advisor who will help you explore and select the financing solution that best fits your business needs.
Access your funds
Complete your agreement digitally and move forward with confidence. Once finalized, funds are disbursed according to your approved terms.
Are you eligible? Our minimum requirements
- 12 months in business
- Active business checking account
- $100K annual revenue
- 625 personal FICO® score
FAQs: Business Line of Credit
What’s the difference between a business line of credit and a business term loan?
What’s the difference between a secured and unsecured business line of credit?
What’s the best line of credit for a small business?
What are the benefits of a business line of credit?
How much can I borrow with a business line of credit?
How do I repay a business line of credit?
What is Simple Funding?
How do I increase my business line of credit limit?
How much does a line of credit cost?
Can I get a business line of credit without a credit check?
How can I use my line of credit to build business credit history?
What other small business loans can I get in addition to my line of credit?
Will applying for a Grand Funding Line of Credit affect my credit?
Business owners like you love Grand Funding
See how Grand Funding has helped thousands of businesses succeed — on their own terms.
Maria G., Restaurant Owner Grand Funding made the process clear and straightforward from start to finish. Our advisor took the time to understand our business needs and helped us secure the right financing option. The structured repayment terms gave us the confidence to move forward with our expansion.
We needed capital to upgrade equipment and take on larger projects. Grand Funding provided a solution that fit our cash flow and business cycle. The transparency and guidance throughout the process made a real difference.
As a small business owner, stability is everything. The line of credit we received from Grand Funding has helped us manage seasonal fluctuations without stress. It gives us peace of mind knowing we have access to working capital when needed.