Capital Lynk | Business line of credit with flexible limits, fast approval, and easy access to working capital.

Business Finance

Business Line of Credit

We provide flexible, revolving capital to fuel your business growth long term.

At Capital Lynk, we understand that running a business means being ready for opportunity, and for the unexpected. Our lenders’ Business Line of Credit offers a revolving pool of capital you can draw from when you need it, repay as your business works, and draw again when it’s time. If you're exploring a business credit line or a flexible funding option, Capital Lynk makes the process simple. Whether you’re preparing for seasonal inventory, covering payroll gaps, or investing in expansion, a line of credit gives you the flexibility to move on your schedule.

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Business Line of Credit

We provide flexible, revolving capital to fuel your business growth long term.

Apply Now

Why Choose a Business Line of Credit?

Quick access to funds: Money is ready when you need it, no reapplying for new loans.
Borrow only what you use: Interest charges apply only to the portion you draw, not the full limit.
Replenish as you repay: As you pay down the balance, your available credit restores.
Flexible usage: Inventory, equipment, staffing, marketing, it’s your choice.
Better cash-flow management: Avoid big lumps of debt and create predictable repayment structures.

How it works:

Apply in minutes: Fill out a quick online or in-person application with basic business details and revenue history.
Get approved: We review your cash flow, business model, and financial health, not just your credit score.
Access your funds: Once approved, you receive a credit limit you can draw from at any time, via transfer or compliant access tools.
Repay and reuse: Make regular repayments (typically monthly), and your available credit replenishes as you pay down your balance.
Grow with us: After responsible use and repayments, you may qualify for an increased limit and better terms.

Typical Terms & Features

Credit limits ranging from $5,000 to $250,000 (based on business size and performance).
Flexible repayment terms - daily, weekly or monthly withdrawals depending on your cash-flow cycle.
Interest charged only on used portions of credit.
No collateral required for many qualifying businesses.
Transparent fee schedule, no hidden costs or surprises.

Note: All terms are subject to underwriting. Rates and eligibility vary based on business profile, industry, and risk assessment.

Is a Line of Credit Right for Your Business?

This is an excellent fit if you're comparing options like a small business loan but prefer revolving access instead of a fixed lump sum.

Consider a business line of credit if you:

Operate in a seasonal industry with fluctuating revenue.
Face regular working-capital gaps (e.g., payroll, vendor payments, inventory).
Want to avoid multiple loan applications for different needs.
Desire a flexible funding source that you can reuse over time.
Prefer a funding structure that doesn’t lock you into fixed large payments.

How It Compares to Other Funding Options

Financing Option	Use Case	Repayment Style
Term Loan	One-time large expense	Fixed payments over set term
Line of Credit	Ongoing or variable funding needs	Borrow as needed, repay any time
Merchant Cash Advance	Immediate growth or short-term boost	Daily or weekly fixed percentage

Eligibility Requirements

You may qualify if your business:

Is incorporated and operating.
Has been in operation for at least 12 months (or has a strong revenue history).
Earns regular revenue (e.g., minimum $10,000/month) or transaction volume.
Maintains a business banking account with regular deposits.
Is not in current default or insolvency proceedings.

Note that meeting minimum qualifications does not guarantee approval. Additional factors, including industry and financial performance, are also considered.

Why Businesses Trust Capital Lynk

We match you with most trusted unsecured business loan lenders.
Speed and transparency: Get offers quickly, see all fees upfront, and choose what fits your goals.
Flexible for growth: Our structure supports repeated use, you don’t borrow once and forget.
Supportive team: From application to funding and repayment, you’ll have a dedicated advisor.

Ready to Unlock Your Credit Line?

Get ready to take control of your business future.