EXPLORE LINES OF CREDIT
Empowering you with flexible credit solutions tailored for growth and stability.
Access the capital you need, when you need it, with a revolving line of credit designed to keep your business agile and growing, ready to seize every opportunity.
Instant access to funds.
Seamlessly tap into flexible credit when opportunities arise, with no delays
Credit lines up to $750k.
Empower your business with credit tailored to meet evolving demands.
Access to ongoing capital.
Secure consistent funding to support your growth and navigate challenges effortlessly.
We make lines of credit simple and easy.
A business line of credit is more than just a financial tool—it's a lifeline for your growth and stability. Unlike traditional loans, it offers a revolving credit limit that you can access when and where you need it. Pay interest only on what you use, giving you the freedom to manage cash flow, seize unexpected opportunities, and navigate challenges with confidence.
Whether you're addressing seasonal fluctuations, investing in new inventory, or covering operational expenses, a line of credit ensures your business remains agile and prepared. From your first conversation to your final milestone, our people are here to guide, support, and celebrate with you.
Business loan approvals in minutes - no hard credit pulls, no obligations.
At the core of our success is an extraordinary team of individuals who share a singular purpose: empowering businesses to thrive. Our people are more than experts in finance—they are problem-solvers, collaborators, and visionaries who bring passion and dedication to every client partnership.
They understand that every business has a unique story, and they take pride in crafting personalized solutions that align with your goals and aspirations. What sets our team apart is their commitment to building genuine relationships. From your first conversation to your final milestone, our people are here to guide, support, and celebrate with you.
Business loan approvals in minutes - no hard credit pulls, no obligations.
Whether you’re looking to grow your business, run daily operations, or maintain a safety net to stabilize cashflow for the unexpected, Kapitus has financing to a loan fit to your unique business needs.
Gather and provide essential documents, including financial statements and business. Gather and provide essential documents, including financial statements and business.
Gather and provide essential documents, including financial statements and business. Gather and provide essential documents, including financial statements and business.
Gather and provide essential documents, including financial statements and business. Gather and provide essential documents, including financial statements and business.
Are we a fit? Check your eligibility.
Check if your business aligns with general line of credit guidelines and see how we can support your growth.
$500,000 annual revenue
Ensure your business does at least $500,000 in annual revenue.
650+ FICO score
Maintain personal or business credit score of 650 or higher.
In business for at least one year
Your business must be operational for at least one year.
One year of financials
One year of business tax returns, one year of business bank statements, P&L statement, and debt schedule.
Frequently asked questions
Get clear, concise answers to the most common questions about business lines of credit, eligibility, and how our streamlined process ensures you secure the funding you need to grow your business with confidence
What makes a business line of credit different from other financing options?
A business line of credit offers flexible access to funds, allowing you to draw only what you need, when you need it. Unlike traditional loans, you only pay interest on the amount you use, making it ideal for managing cash flow, covering short-term expenses, or seizing growth opportunities.
How does the application process work?
The process starts with submitting your financial and business documents, including revenue history and credit scores. Once your documents are reviewed, pre-approval ensures your application aligns with eligibility criteria. After underwriting confirms your qualifications, your credit line is established, ready for you to access funds when needed.
What industries are eligible for a business line of credit?
Business lines of credit cater to a wide range of industries, including retail, manufacturing, healthcare, and service-based businesses. While most industries are eligible, certain high-risk industries may have additional requirements or restrictions. Our team can help determine your eligibility based on your specific business needs.
Can a business line of credit help refinance existing debt?
A business line of credit can be a valuable tool for refinancing short-term debt. By consolidating multiple short-term obligations into one revolving line of credit, you can manage payments more effectively, reduce interest expenses, and free up cash flow to invest in other areas of your business.
Can I use a business line of credit for multiple purposes?
Yes, a business line of credit is versatile and can be used for a variety of purposes, such as managing cash flow, purchasing inventory, covering payroll, or funding short-term projects. You have the flexibility to allocate the funds as needed to meet your business objectives.
What happens if I’m denied a business line of credit?
If your application is denied, it doesn’t mean the end of your funding options. Our team will work with you to identify areas for improvement, such as strengthening your credit score or revenue consistency. We’ll also explore alternative financing options that align with your business needs, ensuring you still have access to the resources required to grow.
Unlock your potential, accelerate your growth.
RelFi empowers your business to move faster, providing the capital you need to seize opportunities and reach your biggest goals when it matters most.
Start with Relationship Finance