Without adequate cash flow, your small business can lack the capacity to pay suppliers. Besides that, negative cash flow could seriously affect your business’ credit rating, erode the competitive advantage, and eventually make your business insolvent. Line of Credit is one of the most popular funding options among business owners to access money to address various cash-flow issues and other short-term situations where you need quick access to extra capital.
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This sought-after funding can be used to finance capital expansion, purchase inventory, or deal with negative cash flow situations. These loans are typically unsecured, which means you don’t need to put any collateral such as real estate or inventory. However, some business lines of credit may require collateral, due to the larger amount of cash being lent. Unlike a traditional business loan, you have the flexibility to borrow a predetermined amount of funds. At Smansha lending marketplace, we help businesses compare and find a variety of lines of credit offers, sold by multiple lenders, making it easier to apply and secure the best business line of credit to fit their budget and needs.
$1,000 – $500,000
3 months to 25 years
8% to 24%
Often require collateral
Eesy to Set Up. No Credit Card Required.
A business line of credit provides flexibility that a regular loan doesn’t. It is a great funding option for small business owners who are struggling with cash flow problems. Once approved for a business line of credit, you can draw funds when need and use them for various business purposes.
Get money in your bank account as soon as 24-48 hours once approved.
Term loans can help you improve your business credit score by making full and on-time payments, which our lenders report to bureaus.
Repaying only the amounts you withdraw and only paying interest on the amount of credit you’ve used to make the funds available again.
Pay off your line of credit anytime without any penalty or fee.
Our business funding experts can help you match your business with a wide range of line of credit options. Besides, they can also help you compare interest rates, terms, and payments for a variety of lending options, so you can choose the one that meets your business's unique financial needs.
Sign up with our secure and innovative lending platform to get started for a safe and worry-free funding
Provide some basic information about your business to get your business approved. Compare loan options to find the perfect funding for you or your clients.
Receive your funds within 24 to 48 hours (on approval)
A fixed payment is automatically debited from your business bank account.