A business line of credit allows access to a fixed amount of capital, which can be used when needed to meet short-term business needs. It is the best financing option when you need extra working capital to cover recurring business expenses or bridge cash flow gaps. With ongoing access to funds, you have the flexibility to withdraw only what you need, when you need it—and pay for only what you use. So, you'll be prepared for whatever challenges and opportunities come your way.Get Your Offers
The main advantage of a business line of credit is the financial flexibility it creates for small business owners at a lower cost. When an unexpected expense occurs, business keep moving because credit is waiting. No surprises or worries. Just cash within reach.
Streamlined, paperless, and easy, our quick online processing saves time so you can stay focused on your business.
Terms that are customized to your needs. National Capital is exclusively concerned with setting up your company for success.
Your committed funding representative is here to assist you and your business, from the initial application to any future financial needs.
National Capital has worked with thousands of businesses in the past. We build relationships that last.
A line of credit is there if you need it, but you are under no obligation to use it. When you do, you can use it to cover almost any small business need. Plus, you only pay interest on the funds you use, not the full amount. In other words, it's as flexible as you want it to be.
To get your business line of credit, you'll typically need to be in business at least 6 months and have $50,000 or more in annual revenue. You'll also need a credit score of 560 or higher. Your lender may ask you to make a personal guarantee, which is an agreement that the lender may be able to levy personal assets such as a car, house, or bank account if you default on the line of credit. Applying is easy: simply fill out our 15-minute application, then compare business line of credit options from 80+ lenders.How it works
There are two ways to obtain smart financing quickly: the National Capital method and every other method. We have faith in both your small business and our strategy. No nonsense. No surprises. Just expert guidance from beginning to end.Find Out More