FUNDING SOLUTION
A Smarter Way to Access Capital
A revolving line of credit that gives you access to funds whenever you need them. Draw what you need, pay it back, and draw again, with interest only on what you use.
Soft credit pull, won't affect your score. No obligation.
Credit Lines
$10,000 – $250,000
Type
Revolving
Approval Speed
4 – 8 hours
Interest
Only on amount drawn
OVERVIEW
What Is a Business Line of Credit?
A business line of credit works like a financial safety net for your company. Instead of receiving a lump sum, you're approved for a maximum credit limit and can draw funds as needed, whether it's $5,000 today and $20,000 next month, or nothing at all until the right moment.
The key advantage is flexibility. You only pay interest on the amount you've actually drawn, not your full credit limit. As you repay, your available credit replenishes, giving you ongoing access to capital without reapplying. It's the ideal solution for businesses that need financial flexibility without committing to a fixed loan.
Because you only pay interest on what you draw, the math is different from a term loan. Our guide to how business funding costs work explains rates, fees, and how to compare the true cost of an offer. And if your cash is tied up in unpaid customer invoices, our comparison of invoice factoring vs. a line of credit covers which tool fits that gap. For the wider choice behind that, our comparison of bank loans and alternative funding covers speed, qualifying, and cost side by side.
How It Works
Get Approved
Apply online and get approved for a revolving credit line. Our team evaluates your business and sets your credit limit, usually within 4 to 8 hours.
Draw What You Need
Access funds anytime up to your approved limit. Transfer capital to your business account whenever an opportunity or expense arises.
Repay & Reuse
Make payments on what you've drawn. As you repay, your available credit replenishes automatically, ready for the next time you need it.
Why a Line of Credit from Monera Capital
Pay Only for What You Use
Unlike a term loan, you're never paying interest on capital sitting idle. Draw funds only when you need them and save on unnecessary costs.
Revolving Access
Your credit replenishes as you repay. No need to reapply every time you need capital. Your line stays open and ready.
Built-In Flexibility
Use your credit line for any business purpose: inventory, payroll, marketing, repairs, or opportunity capture. No restrictions.
Fast Setup, Ongoing Value
Get approved in 4 to 8 hours and maintain access to capital for as long as your line is active. One application, ongoing benefit.
How Businesses Use a Line of Credit
Cash Flow Gaps
Bridge the gap between paying suppliers and collecting from customers.
Seasonal Preparation
Stock inventory or hire staff ahead of your busy season without draining reserves.
Emergency Buffer
Have capital ready for unexpected equipment failures, repairs, or urgent expenses.
Growth Opportunities
Move fast on bulk deals, new contracts, or expansion opportunities when they appear.
Marketing Pushes
Fund targeted campaigns or promotions and repay as the revenue comes in.
Vendor Payments
Pay suppliers on time to maintain relationships and capture early-payment discounts.
Eligibility Requirements
Our lines of credit are available to established businesses with consistent revenue. We evaluate your overall business health, not just a single credit score.
- 12+ months in business
- $15,000+ in monthly revenue
- Active U.S. business bank account
- Valid government-issued ID
- Last 3–6 months of bank statements
Requirements for a line of credit are slightly higher than a term loan due to the revolving nature of the product. Not sure if you qualify? Apply and we'll help find the right fit.
Every document you need, in one checklist
A free printable checklist of the documents most applications ask for, with the application form included, so you can gather everything before you apply.
Get the free checklist
Tell us where to send it. No obligation.
Explore Other Funding Options
A line of credit isn't the only way to access capital. These products might also work for your business.
Business Loans
A lump-sum loan with fixed terms, ideal when you know exactly how much you need.
Working Capital Loans
Fast, short-term funding designed to cover everyday operational expenses.
Revenue-Based Financing
Flexible repayment that adjusts with your monthly revenue. No fixed payment schedule.
Industries We Commonly Fund
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Business Line of Credit FAQs
How much can I get with a business line of credit?
Credit lines range from $10,000 to $250,000 as a revolving line you can draw from as needed.
How does a business line of credit work?
It's revolving: draw funds anytime up to your approved limit, pay interest only on what you draw, and your available credit replenishes automatically as you repay, ready for the next time you need it.
Do I pay interest on the full credit line?
No. You only pay interest on the amount you actually draw, never on your full limit or on capital sitting idle.
How fast can I get approved?
Most businesses are approved within 4 to 8 hours, and your line stays open and ready for as long as it's active.
What do I need to qualify?
Most businesses qualify with at least 12 months in business, $15,000 or more in monthly revenue, an active U.S. business bank account, a valid government-issued ID, and the last 3 to 6 months of bank statements.