Unsecured Business Line of Credit (BLOC)

Flexible Working Capital — Up to $300,000

The Unsecured Business Line of Credit (BLOC) provides fast, flexible access to working capital for established businesses. With approvals up to $300,000, this program is ideal for companies that need reliable cash flow without pledging collateral.

Enjoy a revolving credit line you can draw from as needed and pay interest only on the funds you use.

Program Highlights

• Credit Limit: Up to $300,000
• Term: Up to 24 months
• Interest Rate: Starting at 18% per year
• Funding Time: Typically 3 to 5 business days
• Early Payoff Discount: Available

This program offers simple, transparent pricing and no prepayment penalties, allowing you to manage capital your way.

Borrower Guidelines

• Time in Business: Minimum 3 years
• Annual Revenue: At least $360,000  (or $30,000/month)
• Construction businesses: Minimum $750,000 annual revenue
• Minimum FICO Score: 660
• Ownership Requirement: Minimum 30% ownership interest
• Bankruptcy: No bankruptcy within the last  2 years
• Overdrafts/NSFs: No more than 4 combined in the past 3 months
• Average Bank Balance: Minimum $5,000
• Existing Cash Advances: One position allowed

Best Uses

This flexible credit line is a great solution for:

• Working capital or cash flow management
• Marketing and advertising expenses
• Making payroll
• Purchasing inventory
• Expanding operations
• Covering ongoing business expenses such as rent, utilities, and salaries

Why Choose This Program

• The Unsecured Business Line of Credit gives you quick access to funds without the need for collateral. It’s ideal for businesses with consistent revenue that want flexibility, predictable costs, and the ability to borrow only what they need when they need it.

Restricted Industries

This program is not available for:

• Non-profit organizations
• Used auto dealerships
• Real estate investors
• Lenders or financial institutions
• Transportation companies
• Check-cashing businesses
• Adult entertainment
• Firearms or gambling industries

Excluded States

Currently not available in:
California, Nevada, North Dakota, South Dakota, Puerto Rico, or Hawaii

Required Documents

To begin the review process, please provide:

• Completed Business Line of Credit Application
• Last 3 months of business bank statements (all pages)
• Clear copy of owner’s driver’s license

Ready to Apply?