Financing product
Business Line of Credit
A revolving credit line you can draw against as jobs come in. Interest applies to what you draw, not the full limit, which makes it the right safety net for uneven cash flow.
Pre-qualifying won't affect your credit score.
Quick facts
- Limits
- $10K – $500K
- Structure
- Revolving — draw, repay, redraw
- Pricing
- Est. APR from ~8% on drawn funds
- Payments
- Weekly or monthly on balances
- Review
- Within 1 business day
- Underwriting
- Bank statements first — reviewed by a person
What can you use it for?
Cash-flow smoothing
Bridge the gap between finishing work and getting paid.
Standby capacity
Have funds ready for the job you haven't won yet.
Recurring purchases
Draw for materials each cycle and repay as invoices clear.
Emergencies
Truck down, equipment failure — draw same-week instead of scrambling.
Why line of credit through Built Together Funding?
Best for: Cash-flow gaps, standby capacity, recurring material buys. One application, statements-first review, and a person who walks you through the options — not a portal that ghosts you.
- Pay interest only on what you draw
- Redraw as you repay — no reapplying every time
- Faster than reapplying for a new loan each job
- Good complement to a term loan or equipment financing
- Limits can grow as your deposits grow
- Statements-first review, done by a person
Line of Credit questions
How is this different from a term loan?
A term loan is one lump sum with fixed payments. A line of credit is a limit you draw against repeatedly — you're only charged on outstanding balances.
Does an unused line cost anything?
Many partners charge nothing while the line sits unused; some have small maintenance fees. We flag the difference before you pick an option.
Can I have a line and a loan?
Often, yes — many businesses run a term loan for a big purchase and keep a line for day-to-day swings. Partner stacking rules apply; we'll walk through it on your review call.
See if line of credit fits your file.
About 4–5 minutes. A straight answer within one business day. Pre-qualification is not funding approval. Final options are subject to review, underwriting, and partner availability.
Built Together Funding Corp works with a network of funding partners and is not a direct lender or the SBA. All financing is subject to partner review, underwriting, and approval. Rates, terms, and amounts shown on this site are estimates only, vary by qualifications, and are not an offer or commitment to lend. Not all applicants will qualify.