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Flexible Revolving Credit

Line of Credit — Draw Funds On Demand, Pay Only for What You Use

Access revolving credit for your business with no loan minimum or maximum. Draw funds when you need them, repay at your pace, and reuse your credit line — rates starting at Prime + 1.

U.S. Bank Prime Loan rate

No credit score impact

Line of credit

Funded
$250,000.00 line
Requirement
680+ FICO
Check your FICO

Recent example. Not a quote.

Line of Credit Programs

Pro Capital's lines of credit are unsecured, with no collateral required and no loan minimum or maximum.

Revolving Line of Credit

No loan minimum or maximum

Terms: 12–24 month draw period

Rates: Starting at Prime + 1

  • Draw funds anytime up to your credit limit — repay and draw again
  • Only pay interest on the amount you actually use, not the full limit
  • Automatically renews so you always have access to capital
  • Ideal for managing cash flow, covering payroll gaps, or seasonal inventory
  • No collateral required — Pro Capital's lines of credit are unsecured

Express Line of Credit

No loan minimum or maximum

Terms: 6–12 month draw period

Rates: Starting at Prime + 1

  • Funding timing depends on the lender and product
  • Minimal paperwork — just 3 months of bank statements to apply
  • Perfect for newer businesses or urgent funding needs
  • Available to businesses with 6+ months in operation
  • Automatic limit increases as your business grows

Why Get a Line of Credit Through Pro Capital?

No Hard Credit Pull

We use a soft credit check to evaluate your options — your credit score stays fully protected, and there is no hard pull.

Dedicated Funding Specialist

A real person reviews your application, answers your questions, and helps you choose a credit line that fits your needs.

Line of Credit FAQs

Common questions about business lines of credit.

A line of credit gives you access to a set amount of funds you can draw from whenever you need. You only pay interest on what you borrow, and as you repay, those funds become available again — similar to a business credit card but with lower rates.

Most programs require at least 6 months in business, $8,000+ in monthly revenue, and a 680+ FICO. Pro Capital's lines of credit are unsecured, so no collateral is required. Pro Capital evaluates your full financial picture to find the right match.

A term loan gives you a lump sum upfront with fixed monthly payments. A line of credit is revolving — you draw only what you need, when you need it, and you can reuse the funds as you repay. Lines of credit are ideal for variable or unpredictable expenses.

Yes — that's the core advantage. As you repay your balance, those funds become available to draw again throughout your draw period. There's no need to reapply each time you need capital.

No. Pro Capital uses a soft credit pull to evaluate your options — your credit score stays fully protected, and there is no hard pull.

Explore more financing options: Small Business Loans · Term Loans · SBA Loans · Invoice Factoring

Ready to Get Your Credit Line?

It takes less than 60 seconds to apply. No obligation, and no impact to your credit score.