Flexible capital when you need it — Lines of Credit
Small business owners and individuals seeking unsecured or secured lines of credit get matched to lenders in minutes, with no upfront fees.
Soft inquiry only. No credit impact.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Revolving credit
- Unsecured line
- Draw period
- Secured line
- Soft inquiry
- Debt service ratio
- APR
- Term conversion
Business and personal lines of credit financing solutions
We connect you to lenders offering unsecured revolving credit, secured lines backed by collateral, startup credit options, and bad-credit approval programs.
- BUSINESS Business lines of credit Unsecured revolving credit up to $500K for cash flow and operations.
- PERSONAL Personal lines of credit Flexible unsecured revolving credit for individuals up to $100K.
- STARTUP Lines of credit for startups Founders with <2 years of revenue. Approval based on personal credit and projections.
- SECURED Secured lines of credit Lower rates by backing your line with collateral or equipment equity.
- $5K–$500K Typical credit limit range
- 24–48 hours Decision timeline
- 1 soft pull No credit score impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
Get a line of credit decision in 48 hours
No application fee. One soft inquiry that does not affect your credit score. Answer a brief questionnaire and we match you to lenders that fit your profile.
Soft inquiry protection
- Your credit score is not affected by our search.
- Lender's final check is the only hard pull on your record.
Multiple lenders, one form
- You submit once; we route to 3-5 qualified lenders.
- Compare offers side-by-side without multiple applications.
Real-time decision window
- Most lenders respond within 24-48 business hours.
- You control which offer to accept or decline.
Traditional lenders require proof most don't have
Banks demand 2+ years of tax returns, strict debt ratios, and collateral documentation. We connect you to alternative lenders who approve based on current cash flow, credit mix, and revolving history.
Startup without tax returns
Banks reject founders under 2 years old. We connect you to lenders who underwrite on cash flow projections and personal credit instead.
Inconsistent income or gig work
Traditional lenders demand 2+ years of W-2s or returns. Self-employed and contract workers don't fit the mold.
Bad credit but strong cash flow
Banks rely on credit score alone and reject scores below 620-640. They miss businesses with real revenue.
Real scenarios, real timelines
These are composite examples of borrowers who received lines of credit through our network. Names and details have been changed.
Contractor with seasonal income
Unsecured line of credit to smooth cash flow between project payments and payroll.
E-commerce seller, 18 months in
Secured line backed by inventory to fund seasonal stock buildup.
Individual, personal emergency
Personal unsecured line of credit for medical costs and home repair without fixed repayment schedule.
SaaS co-founder, 6 months revenue
Startup line of credit to fund customer acquisition and office setup while reaching profitability.
Other capital solutions we cover
If a line of credit doesn't fit, explore term loans for fixed repayment, equipment financing for asset-backed credit, or invoice factoring for immediate cash against receivables.