Need a Business Line of Credit
For Your Business?
Whether you're managing day-to-day expenses, covering unexpected costs, or seizing a growth opportunity, our business line of credit gives you flexible access to capital—without the bank headaches.
Getting a Business Line of Credit Has Never Been Easier
Running a business means facing unexpected costs and cash flow gaps. You may not always have the funds on hand when opportunity—or emergency—strikes. That’s where we come in. A business line of credit gives you flexible access to capital whenever you need it, so you can handle expenses, restock inventory, or cover payroll—without missing a beat.
Apply in Minutes
Skip the paperwork and long wait times. With Finance Parrot, you can apply online in just a few clicks—anytime, from anywhere.
Get a Decision Right Away
No more guessing games. Once you apply, our system instantly matches you with the best funding options for your business.
Funding as Fast as Same Day
Need capital now? We work with lenders who can deliver funds to your account in as little as 24 hours.
See Your Business Loan Options
Low Rates. Flexible Terms. Easy Process
Recently Funded Businesses
We'll Help You Get a Business Line of Credit
Get approved today and have money in your account within as little as 24 hours. No obligation — prequalify without affecting your credit!
Common Questions. Straight Answers.
What is a business line of credit?
A business line of credit is a flexible funding option that gives you access to a set amount of capital you can draw from as needed. You only pay interest on the amount you use—similar to a credit card, but designed for business needs.
How is a business line of credit different from a term loan?
Unlike a term loan, which provides a lump sum with fixed payments, a line of credit gives you ongoing access to funds that you can borrow, repay, and reuse. It’s ideal for managing short-term cash flow and recurring expenses.
What can I use a business line of credit for?
You can use a business line of credit for:
Covering payroll or rent
Purchasing inventory or supplies
Handling emergency repairs
Managing seasonal slowdowns
Funding short-term projects
There are no restrictions on how you use the funds—as long as it supports your business.
What types of equipment can I finance?
Almost anything your business needs to operate:
Trucks, trailers, and commercial vehicles
Medical and dental equipment
Restaurant appliances and POS systems
Construction machinery
Computers, servers, and office tech
Manufacturing and industrial tools
How fast can I get funding?
Fast. Many businesses get approved within 24 hours and receive funds shortly after. Once approved, you can purchase the equipment and get to work with minimal delay.
What documents are needed to apply?
Most lenders require:
A valid ID
Business bank statements (3–6 months)
Equipment quote or invoice
Business license or proof of ownership
Additional documents may be requested depending on your loan amount and lender.
Is a business line of credit secured or unsecured?
It can be either. Many small business lines of credit are unsecured, meaning you don’t need to provide collateral. Secured options may offer higher limits and lower rates but require assets as backing.
Can I get approved with bad credit?
Some lenders offer business lines of credit to owners with fair or average credit, especially if your business has strong cash flow or consistent revenue. While good credit improves your chances, it’s not always a dealbreaker.
How do I apply through Finance Parrot?
Just fill out our quick online application. We’ll match you with equipment financing options tailored to your business—without the paperwork overload or endless broker calls.