Line of Credit · Direct funding

A business line of credit you draw on when you need it.

Revolving lines from $50K to $1M, funded directly by Bylt Capital. Draw what you need, repay on a set schedule, and draw again as you pay it down.

Limit$50K – $1M
Term12 mo revolving
Cost12% – 36% APR
PaymentsWeekly / Monthly
The basics

What is a business line of credit?

A business line of credit gives you a limit you can draw from whenever you need cash, instead of taking one lump sum. As you repay what you've drawn, that amount becomes available to draw again.

Two kinds of revolving lines

We offer different line programs, and your offer shows exactly which one you're getting and how draws, payments and costs work:

Example: with a $100,000 limit, you draw $30,000 for inventory. You make payments only on that $30,000, and you still have $70,000 available. As you repay the $30,000, it becomes available again. Illustration only, not an offer.
Process

How it works

Apply online

One short application with a soft credit pull.

Review your offer

See your limit, cost and payment schedule in your portal.

Accept and sign

Sign online. Some files need a short funding call.

Draw as needed

Request draws up to your limit and repay on schedule.

Is it right for you?

When it fits, and when it doesn't

A good fit if
  • Your cash needs come and go: seasonal swings, payroll gaps, inventory, slow-paying customers
  • You want funds ready before you need them
  • You'll repay draws within months, not years
Probably not the right fit if
  • You need a single large purchase, like equipment (see equipment financing)
  • You'd draw the full limit immediately and keep it out for years
  • A long-term project would cost less with an SBA or term loan
Get ready

Requirements and documents

To qualify
  • At least 6 months in business
  • 600+ credit score
  • Steady deposits into a business bank account
Documents
  • Short online application
  • Last 3 full months of business bank statements plus month-to-date (or the last 4 full months), as PDFs from your bank
  • Driver license or state ID for each owner of 20% or more
  • Voided business check or bank letter
  • The last 2 years of business tax returns
  • Year-to-date profit and loss statement
How we work

Transparent, no-pressure funding, built in

Create an account, apply, review offers and accept, all without speaking to anyone. Some products need a short funding call. Want to talk through an offer or an underwriting question? Our funding desk is here when you want it.

No sales calls

Apply, compare offers and accept online. We don't call to push you into a deal.

Every number in writing

Your offer shows the amount, the total cost and the payment schedule before you sign anything.

Talk when you want to

Email team@byltcapitalsolutions.com or message your team from the portal to go over details or underwriting questions.

Free with Bylt Capital

The first funding platform to track all your advances and applications in one place

Bylt Capital is the first funding platform where business owners can apply for funding, track their advances across multiple lenders, request renewals, and follow every document and application status, all in one place. You don't have to apply for anything: create a free account and use it just to track your advances.

Every advance, every lender

Add advances from any funder and see balances and payoff progress for all of them on one dashboard.

Track-only accounts

No application needed. Sign up free and use the portal just to keep every advance organized.

Renewals on request

Request a renewal from the portal when you're ready. No waiting on a call back.

Applications and documents

Follow each application's status and see which documents are received, pending or still needed.

Offers side by side

Compare offers for every product you applied for, and accept the one that fits.

Secure by design

Passkey or authenticator sign-in, encrypted documents, and your full SSN never sent by email.

FAQ

Business Line of Credit questions

How does a business line of credit work?

You get a limit you can draw from as needed. You repay each draw on a weekly or monthly schedule, and repaid amounts become available to draw again.

How much can I get?

Lines range from $50,000 to $1,000,000, based on your revenue, credit and time in business.

What does it cost?

Credit lines are priced as an APR, typically 12% to 36%. Revolving advance lines are priced with a factor rate per draw. Your offer shows the exact cost before you sign.

Do I pay on the whole limit?

No. You only make payments on what you've drawn.

Will applying affect my credit?

No. The application uses a soft credit pull, which doesn't affect your score.

Do I have to talk to someone?

You can apply, review offers and accept online. Some files need a short funding call, and our desk is available whenever you want to talk.

Can I use Bylt Capital just to track my advances?

Yes. Create a free account and add advances from any funder, with no application required. You'll see balances and payoff progress for all of them on one dashboard.

Ranges and examples are indicative, not offers. All financing is subject to review and approval. See Disclosures.

Other ways to fund your business

See what your business qualifies for

One application, a soft credit pull and no obligation. You review every offer on your own time.