Access flexible working capital when your business needs it, with revolving access and predictable payments designed to support cash flow and growth.
Available Credit Lines
Available Repayment Terms
Draw and Pay Down as Needed
Predictable Weekly Payments
A business line of credit provides ongoing access to working capital that can be drawn as your business needs arise. During the revolving period, you can access available funds, pay down your balance, and replenish your available credit through eligible principal repayments. With flexible access and predictable payment options, a line of credit can help your business manage cash flow, cover operating expenses, prepare for seasonal changes, and pursue new growth opportunities.
The business should generate at least $17,000 per month, or approximately $200,000 annually, in gross sales.
Applicants may qualify with an Equifax credit score of 575 or higher. Final approval and terms depend on the complete business and credit profile.
The applicant must own the business, which must be open and operating under the same ownership for at least one month.
A valid government-issued form of identification is generally required for each applicable business owner.
Recent business bank statements or connected banking data may be reviewed to verify revenue, cash flow, balances, and account activity.
Business ownership details, formation information, existing debt obligations, and additional financial records may be requested depending on the credit amount and review.
A business line of credit may be a strong option when you need flexible access to working capital rather than one fixed lump-sum loan. It can help your business manage cash-flow gaps, purchase inventory, cover operating expenses, prepare for seasonal changes, handle unexpected costs, and take advantage of new opportunities. Because funds can be drawn as needed during the revolving period, this type of financing is often best suited for businesses with recurring capital needs, consistent revenue, and the ability to manage scheduled payments.
Check EligibilityA business line of credit provides access to an approved amount of working capital that can be drawn as business needs arise. During the revolving period, eligible principal payments and paydowns can restore available credit for future draws.
Funds may be used for eligible business expenses such as working capital, inventory, payroll, repairs, seasonal expenses, marketing, expansion costs, unexpected expenses, and other approved business needs.
Available credit depends on business revenue, cash flow, creditworthiness, time in business, existing obligations, and the lender’s underwriting review. Qualified businesses may be considered for credit lines of up to $1.5 million.
During the applicable revolving period, borrowers may request additional draws from their available credit. Regular principal payments and eligible partial paydowns can replenish the amount available to draw, subject to continued underwriting and lender approval.
The standard revolving product generally uses fixed weekly payments with amortization terms of up to 36 months. Payment amounts and repayment terms depend on the amount drawn and the borrower’s approved financing terms.
Timing depends on the draw request and continued eligibility. Updated bank-transaction information or bank statements may be required before an additional draw is approved and funded.
Documentation may include identification, business bank statements or connected banking data, ownership information, business details, and information about current financial obligations. Additional records may be requested depending on the credit amount and underwriting review.
Eligible borrowers may make partial principal paydowns or repay the balance early. The ARF Bankroll product currently advertises no prepayment penalties, maintenance fees, or fees for making eligible principal paydowns.
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