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A business line of credit gives you access to a set amount of capital that you can draw from as needed — you only pay interest on what you actually use. Think of it like a credit card for your business, but typically with lower rates and higher limits. Through The Funding Family, our FamilyScore™ algorithm matches you with lenders offering the best line of credit terms for your business profile, and your dedicated funding specialist helps you understand the terms before you commit.

A term loan gives you a lump sum upfront that you repay on a fixed schedule. A line of credit is revolving — you draw what you need, repay it, and the funds become available again. Lines of credit are ideal for businesses that have ongoing or unpredictable cash needs (inventory restocking, seasonal dips, covering payroll gaps), while term loans work better for one-time investments like equipment or expansion. The Funding Family offers both, and your specialist can help you decide which fits your situation.

Credit requirements vary by lender, but through The Funding Family's network, you can qualify for a business line of credit with a personal credit score as low as 550–600, depending on your revenue, time in business, and overall financial health. Our pre-qualification uses a soft credit pull — no impact to your score — so you can check your options risk-free.

Lines of credit through The Funding Family's lender network range from $10,000 up to $250,000, depending on your monthly revenue, credit profile, and business history. Higher-revenue businesses with strong bank statements may qualify for even more. Your funding specialist will give you a clear picture of what you can access during the consultation.