Back to all products

Lines of Credit

Flexible revolving credit lines - draw what you need, when you need it, and only pay interest on what you use.

LOAN RANGE

Subject to lender approval

TURNAROUND

Subject to lender approval

Best for businesses that need flexible, on-demand access to working capital for managing cash flow fluctuations, seasonal expenses, or unexpected opportunities.

About Lines of Credit

A business line of credit gives you access to a revolving pool of capital that you can draw from whenever you need it, repay, and draw again.  This flexible financing product functions similarly to credit card but typically offers higher limits.

The key advantage of a line of credit over a term loan is that you only pay interest on the amount you actually use. If you have a $100,000 credit line but only draw $25,000, you only pay interest on that $25,000. As you repay, the available balance replenishes, giving you an ongoing source of working capital without needing to reapply.

Business lines of credit are ideal for managing cash flow gaps, covering seasonal fluctuations, funding inventory purchases, or maintaining a financial safety net. Winvest Capital LLC connects you with lenders offering competitive rates and fast approvals, so you can have your credit line established and ready to use by lender and are subject to approval.

How It Works

  1. 1Apply by providing your business bank statements, identification, and basic business information so we can assess your revenue and creditworthiness.
  2. 2Our team reviews your financial profile and matches you with the best available credit line offers from our lending network.
  3. 3You receive a credit line approval with a maximum limit, interest rate, and draw terms. There is no obligation to draw immediately.
  4. 4When you need funds, request a draw through your lender's portal or by contacting your account representative. Funds arrive in your bank account within hours.
  5. 5Repay on the agreed schedule, and your available credit replenishes automatically, giving you ongoing access without a new application.

Who Qualifies

  • Minimum 6 months in business (1+ year preferred)
  • Average monthly revenue of $10,000 or more in bank deposits
  • Personal credit score of 600 or higher (680+ for the best rates)
  • No active bankruptcies or unresolved tax liens
  • Business bank account in good standing with positive cash flow

Typical Terms

Credit Limit $10,000 - $1,000,000
Interest Rate 8% - 35% depending on profile
Draw Period 12 - 24 months (renewable)
Repayment Weekly or monthly
Draw Fee $0 - 2% per draw (varies by lender)
Annual Fee $0 - $175 per year

Pros & Cons

Advantages

+Only pay interest on the amount you draw, not the full credit limit
+Revolving structure means you can draw, repay, and draw again without reapplying
+Provides a financial safety net for unexpected expenses or opportunities
+Helps build business credit history and demonstrates financial stability to future lenders

Considerations

-Interest rates are typically higher than secured Loan Terms since lines of credit are usually unsecured
-Some lenders charge maintenance or draw fees in addition to interest
-Easy access to funds can lead to over-borrowing if not managed carefully
-Credit limit may be lower than what you could receive with a collateralized term loan

Frequently Asked Questions

While both are revolving credit products, a business line of credit typically offers significantly higher limits, lower interest rates, and the ability to withdraw cash directly into your bank account. Credit cards are limited to point-of-sale purchases and cash advances (which carry high fees), while a line of credit provides direct capital you can use for any business purpose including payroll, rent, and vendor payments.
No. Once approved, your credit line remains available for you to draw from whenever you need it. There is no requirement to take an initial draw, and many business owners keep a line of credit as a financial safety net that they only use when necessary. Some lenders charge a small inactivity or maintenance fee, but many do not.
Yes. Most lenders review your account periodically and may offer credit limit increases based on your payment history, revenue growth, and overall account performance. Some lenders allow you to request a limit increase after 6 to 12 months of responsible use. Consistent on-time payments and growing revenue are the best ways to qualify for a higher limit.
A business line of credit has no restrictions on fund usage. Common uses include covering payroll during slow periods, purchasing inventory before a busy season, funding marketing campaigns, handling unexpected repairs or expenses, and bridging gaps in accounts receivable. The flexibility to use funds for any business purpose is one of the product's primary advantages.