Up to $400K. Pay interest only on what you draw.
A business line of credit is revolving working capital your business can draw from as needed, repay, and reuse. You pay interest only on the amount you draw, not your full credit limit, and your available credit replenishes as you repay.
With REIL Capital, you can access a revolving line from $25,000 to $400,000 with repayment terms of 6 to 36 months. Draw funds for payroll, inventory, equipment, marketing, or unexpected expenses, then repay on a weekly or monthly schedule. Interest accrues daily on your drawn balance only, and repaying early waives the remaining interest.
The upside and the trade-offs:
Interest accrues daily only on the amount you draw, not your total credit limit. If you have a $200,000 line and draw $50,000, you pay interest on $50,000 only, and if you repay early, the remaining interest is waived.
Request draws anytime through your secure online portal. Funds are deposited directly into your business bank account by ACH, typically within one to two business days. No waiting in line at a bank branch or scheduling calls with a loan officer.
Some of REIL Capital's lending partners report your on-time payments to the business credit bureaus. Used responsibly, your business line of credit can strengthen your business credit profile over time, positioning you for larger financing in the future.
When it comes to flexibility, a business line of credit stands out among business financing options. Here is how it compares with the most common alternatives:
Both a business line of credit and a business loan provide funding, but they work in different ways. A term loan gives you a single lump sum repaid on a fixed schedule, with interest charged on the full principal from day one. A business line of credit is revolving: you draw only what you need, pay interest only on the drawn balance, and reuse the line as you repay.
A term loan usually makes sense for one planned purchase, such as equipment or a specific expansion. A line of credit is better for recurring or unpredictable needs like smoothing cash flow, covering payroll in a slow month, or buying inventory ahead of a busy season. Because you pay only for what you draw, a line of credit is often the more cost-efficient choice when you do not need all the capital at once.
Securing a business line of credit with bad credit can be challenging, but it is often possible. Lenders in REIL Capital's partner network frequently take a fuller view of your business than a bank does, weighing your revenue, cash flow, and bank-account activity alongside your credit score. Online and alternative lenders commonly work with personal credit scores in the low-to-mid 600s, and sometimes lower, though pricing is higher and limits are lower when credit is weaker.
If credit is holding you back, financing that leans on revenue rather than credit may be worth a look. Revenue-based financing ties repayment to your monthly sales, which can suit a business with strong, steady revenue but a thin or bruised credit file. Whichever route fits, checking your options with REIL Capital uses only a soft credit pull, so seeing what you qualify for will not affect your personal credit score.
Your credit limit on a business line of credit depends on factors specific to your business: annual revenue, personal and business credit, time in business, and the consistency of your bank-account activity. Lenders weigh recent, steady deposits heavily, so a believable cash cycle can matter as much as the headline revenue figure.
Through REIL Capital, lines run from $25,000 to $400,000. Many businesses qualify for a mid-range line, for example around $50,000 or $100,000, and grow it toward $250,000 or $400,000 as revenue and repayment history build. Across the market, unsecured lines typically top out between $100,000 and $250,000, while larger, secured lines require collateral and slower underwriting. If you are aiming for a specific figure such as a $100,000 line, strengthening your deposits and credit profile before you apply improves both your odds and your pricing.
A business line of credit for startups offers valuable flexibility in the early, cash-sensitive stage of a business, but newer companies face a higher bar. Most online and alternative lenders look for at least 6 to 12 months in business and steady revenue, while traditional banks typically want around two years and stronger credit. Younger businesses that do qualify usually start with a smaller line and room to grow.
If you are early and revenue is uneven, a smaller line used carefully, drawing only for essential, revenue-generating costs and repaying quickly, helps you build a track record without overextending. In practice, a REIL Capital line generally fits businesses with about a year of history and roughly $300,000 in annual revenue (around $25,000 a month), so very early startups often need to build more history first. If you are not there yet, financing that leans on revenue rather than time in business, such as revenue-based financing, can bridge the gap until you qualify.
Understanding business line of credit interest rates helps you compare offers and budget for the cost of borrowing. Rates are usually variable, quoted as a benchmark plus a margin, so they move with the prime rate, which sits at 6.75% as of mid-2026. What you actually pay depends on lender type, your credit, time in business, revenue, and whether the line is secured.
As a general guide, traditional banks price business lines of credit around 8% to 14% APR, while online and alternative lenders commonly run 12% to 22% APR for qualified borrowers, with pricing that can climb well higher for weaker profiles. The difference between a 650 and a 720 personal credit score alone is often worth three to five points of APR. Beyond the rate, factor in any per-draw or maintenance fees when you compare offers, because the headline rate rarely tells the whole story. These are general market ranges, not a REIL Capital quote; your actual rate is set by the lender you are matched with.
A business line of credit for seasonal businesses solves a familiar problem: expenses keep arriving during the slow months even when revenue does not. You draw during the off-season to cover fixed costs like payroll, rent, insurance, and pre-season inventory, then repay from peak-season receipts. Because interest accrues only on what you draw, your standby capacity costs nothing until you use it.
The goal is to end the busy season at or near a zero balance, so the next slow stretch starts with full availability. For a step-by-step playbook, read our guide on using a line of credit to manage seasonal business expenses.
