Business lines of credit 2026 — flexibility for fluctuating cash needs.
Rankings based on speed of funding, approval rates, transparency of terms, customer experience, and total cost. Updated annually.
Revolving credit up to $250K. Draw what you need, pay on used amount.
Requirements: 650+ FICO, 12+ months, $25K+ monthly revenue
Line of credit secured by equipment for higher limits.
Requirements: Equipment as collateral
For amounts under $50K, a business credit card may be cheaper than LOC.
Requirements: 650+ FICO personal
LOC backed by your accounts receivable. Higher limits, lower rates.
Requirements: Strong AR portfolio
For larger businesses with significant inventory or AR.
Requirements: Asset-heavy business, $1M+ revenue
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