Merchant Line of Credit: Flexible Funding Without the MCA Headache

Need fast access to capital but don't want another rigid MCA? A merchant line of credit gives you a set limit you can draw from as needed, with clear terms and more flexibility than a traditional advance.

LOC Overview

Revolving limits typically from $25,000 to $500,000+
Draw only what you need, when you need it
Pay interest/fees only on what you use
Faster and more flexible than most bank LOCs

Why Choose a Merchant Line of Credit?

On-Demand Capital

Pull funds exactly when opportunities or emergencies show up—no need to re-apply every time.

Better Than a One-Time Advance

Avoid stacking new MCAs just to get through the month. A line is designed to be reused responsibly.

Support Growth, Not Just Survival

Use your LOC for inventory buys, marketing pushes, project launches, and expansion—not just plugging holes.

Simple LOC Approval Flow

  1. 1
    Quick Application.

    Revenue, time-in-business, and banking history.

  2. 2
    Limit & Terms.

    We present LOC options that match your needs and cash cycle.

  3. 3
    Draw Funds.

    Access capital when needed through simple draws.

  4. 4
    Use, Repay, Repeat.

    As you pay down, your line becomes available again.

Is a Merchant LOC Right for You?

  • Your revenue is $20,000+/month and fairly consistent
  • You're tired of stacking MCAs for short-term needs
  • You want a flexible safety net for your business

Pair Your LOC With These Services

Ready to Access Flexible Capital?

Get a merchant line of credit tailored to your business needs. Apply in minutes, get a decision fast.

Apply for a Merchant Line of Credit

Get flexible, revolving credit from $25K to $500K+. Better than stacking MCAs.