Making payroll before invoices land
Draw what you need to cover payroll, repay it when the receivables come in, and the money is available again for next time.
Business Line of Credit
Who it's for
Businesses needing flexible, on-demand access to working capital.
Typical amounts
$10,000 – $500,000
Terms
Revolving
Requirements
6+ months in business
Requirements
$10K+ monthly revenue
Requirements
Active bank account
Money that sits ready. Draw what you need, when you need it, and pay for what you actually use.
What it helps
When a line of credit is the right fit.
Restocking inventory this week
A revolving line lets you draw for stock and pay for only the part you use, then draw again for the next order.
Getting through an uneven year
Some months carry the year and some do not. Keep the line on standby and draw during the quiet stretches.
Keeping a cushion for the unexpected
A repair, a deposit or a supplier who needs paying early — the line is already open when something lands.
Process
Three steps to get funded.
01
Apply in minutes
Fill out one short online application. Tell us what your business does and how much working capital you need.
You provide: six months of business bank statements, a photo ID, a voided check and a list of any current advances or loans.
02
Talk to a specialist
A Falcon specialist reviews your file, asks for anything that is missing and walks you through your options.
You get: a call about the limit, how drawing and repaying works, and the full cost, before anything is signed.
03
Approve and get funded
Once you are approved, review and sign your agreement. Funding can happen the same day.
You see: your limit, the cost of what you draw and the repayment terms, all spelled out on the agreement.
FAQ
Line of credit questions
A loan delivers a lump sum up front. A line of credit lets you draw funds as needed up to your limit, and you pay interest only on what you draw.
Yes. The line is revolving, so repaid amounts become available to draw again, subject to your agreement.
Typically 6+ months in business, $10K+ in monthly revenue and an active bank account. Final approval depends on underwriting.
Funding can happen the same day once you are approved and have signed. Timing depends on how quickly you send your documents.
Falcon charges a 0% agreement fee. Rates are competitive, and no specific rate is published on this page — you pay for what you draw, and your specialist shows you the cost before you sign.
Both options exist. An unsecured line does not put business assets behind it; a secured line does. Your specialist will explain which fits your file.
When a line of credit isn't the right fit.
A line is built for money you use and repay in pieces. Here are three situations where another Falcon product fits better.
If you need one lump sum for a planned purchase
A term loan delivers the whole amount with a set repayment schedule, which suits an expansion or a one-time investment.
Business Term LoanIf what you are buying is the asset itself
Equipment, vehicles and commercial property can secure their own financing, so the cost is tied to the thing you are buying.
Collateral & Asset LoansIf you are carrying more than one advance
Several daily payments stacking on top of each other is how a good month turns into a bad one. Consolidation rolls them into one payment.
Consolidation of PositionsFrom the blog
