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Business Line of Credit

Get flexible working capital with a business line of credit.
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Revolving

lines of credit from $4k-$50k

Flexible

repayment terms of 12,18 or 24 months

Customizable

weekly or monthly payments

What is a business line of credit?

A small business line of credit from Ream Advance provides access to capital up to an approved limit, giving you the flexibility to draw funds when your business needs them. Instead of receiving one fixed lump sum, you can request only the amount required. As you repay what you’ve used, your available credit may restore, allowing for continued access without reapplying, subject to eligibility.
This revolving structure can help support everyday operating expenses, manage cash flow gaps, or fund growth opportunities. Credit limits are determined based on your business profile and qualifications. You only incur costs on the portion of funds you draw according to your agreement, and consistent, on-time payments may contribute positively to your business credit history.

Why Get A Ream Advance Line of Credit?

Pay Only for What You Use

Draw funds as needed and pay interest only on the amount you access.

Easy Access

Use your line of credit for your business needs. Term loans are available once approved.

Build business history

We report to business credit bureaus, which helps build business credit history with on-time payments.

How does a business line of credit work?

Unlike traditional financing that delivers a single lump sum, a small business line of credit from Ream Advance gives you access to funds up to an approved credit limit. You can request only the amount your business needs at a given time. As you repay your outstanding balance, your available credit may replenish, allowing for continued access without submitting a new application, subject to eligibility. Whether you’re managing day-to-day cash flow or planning for future growth, a revolving line of credit can provide flexible access to working capital.
Qualified applicants may receive a credit limit based on their business profile and underwriting review. Funds can be drawn as needed, and you’ll only incur interest or fees on the amount accessed according to your agreement. In certain cases, eligible customers may have access to expedited funding options. Consistent, on-time payments may also support the development of your business credit profile.

Get funding on your timeline

1

Apply online

Complete the short application – it just takes a few minutes.

2

Review and select

A loan advisor helps you pick the best option for your business goals.

3

Receive your capital

Sign your agreement digitally and move forward with funding.

Are you eligible? Our minimum requirements

  • 12 months in business
  • Active business checking account
  • $100K annual revenue
  • 625 personal FICO® score

Experts in small business lending

You don’t have to be a financing expert — our US based loan advisors walk you through every step.

FAQs: Business Line of Credit

What’s the difference between a business line of credit and a business term loan?
A business line of credit gives you ongoing access to funds up to a set limit, allowing you to borrow only what you need and reuse the credit as you repay it. A business term loan, on the other hand, provides a one-time lump sum that is repaid over a fixed period. Lines of credit are ideal for flexible or recurring expenses, while term loans are better suited for larger, one-time investments.
A secured line of credit is backed by business assets, which may result in lower rates or higher limits. An unsecured line of credit does not require specific collateral, making it a popular option for businesses that prefer not to tie up assets, though qualification requirements may be higher.
The best line of credit depends on your business’s cash flow, credit profile, and funding needs. Many small businesses prefer an unsecured line of credit for flexibility and speed, while others may benefit from a secured option if they qualify for better terms. What are the benefits of a business line of credit? A business line of credit offers flexibility, control, and convenience. You can access funds when needed, pay interest only on what you use, manage cash flow gaps, and respond quickly to unexpected expenses or growth opportunities.
Your credit limit is based on factors such as your business revenue, time in operation, cash flow, and credit profile. Ream Advance evaluates each application individually to determine the most suitable limit.
Repayment is typically made through scheduled automatic payments, often weekly or monthly. You repay only the amount you have drawn, plus any applicable interest or fees, and as you repay, your available credit increases.
Businesses that demonstrate consistent repayment history and stable financial performance may qualify for a credit limit increase. Ream Advance periodically reviews accounts, and you can also speak with a funding advisor to explore eligibility.
The cost of a business line of credit depends on the amount borrowed, repayment terms, and your business’s financial profile. Interest is charged only on the funds you use, and any fees are clearly outlined before you accept an offer.
While a full credit check is not always required, Ream Advance typically uses a soft credit review as part of the application process. This helps assess eligibility without negatively impacting your credit score.
Making on-time payments and responsibly managing your line of credit can help establish or strengthen your business credit profile, depending on reporting practices with business credit bureaus.
In addition to lines of credit, businesses may qualify for options such as term loans, equipment financing, or other working capital solutions, depending on their needs and financial profile.
Ream Advance uses a soft credit check during the application process, which does not impact your personal credit score.

Business Owners Trust Ream Advance

See how Ream Advance has helped many businesses succeed — on their own terms.

“Cash flow in the restaurant industry can fluctuate, especially during slower seasons. Ream Advance gave us a financing solution that helped stabilize operations without adding unnecessary stress. The terms were clearly explained, and we felt supported throughout the process.”

Angela M.

Restaurant Owner

“Transparency was important to us when choosing a financing partner. Ream Advance outlined the costs and repayment schedule clearly, which made it easier to evaluate our options. We appreciated the professionalism and straightforward communication.”

Nicole R.

Medical Practice Administrator

“As we expanded into new contracts, we needed additional working capital to hire staff and purchase supplies. Ream Advance helped us structure funding in a way that aligned with our growth plans. It allowed us to take on larger opportunities with confidence.”

Brian C.

Commercial Cleaning Company Owner

Small Business Loan

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  • Same-Day Funding is only available in certain states for term loans up to $250,000. Eligibility window is Monday–Friday before 10:30 a.m. ET. If checkout is completed before 10:30 a.m. ET, funds may be available by 5:00 p.m. local time the same business day. If checkout is completed after 10:30 a.m. ET, or on a weekend or bank holiday, the loan will not qualify for Same-Day Funding and funds will typically be deposited within 2–3 business days.
  • Instant Funding requires registration and is subject to the Instant Funding Terms & Conditions. Instant Funding is limited to open lines of credit for draw amounts between $1,000 and $10,000, with a limit of one draw request per day. Not all banks or debit card providers participate. To qualify, you must register a business debit card that matches the information associated with your Ream Advance account. Transfers are typically completed within 30 minutes but may be subject to additional restrictions or delays.
  • Certain industries are not eligible for financing (see list of restricted industries). In addition, Ream Advance does not lend to businesses located in North Dakota. Additional underwriting requirements may apply.
  • If you pay off a Ream Advance term loan early, you may still be required to pay a portion of the unpaid interest expense, as outlined in your loan agreement. The specific percentage will be disclosed in your agreement.
  • Eligibility for the lowest rates is very limited and available only to businesses with the strongest credit profiles and cash flow performance. This typically includes businesses that demonstrate excellent payment history on prior financing products with Ream Advance.
  • The average APR for term loans is 56.4%, and the average APR for lines of credit is 56.6%. Averages are based on loans originated in the six-month period ending June 30, 2025.
  • Depending on your state and other application factors, you may be required to make a minimum initial draw of $1,000 at origination.
  • Only customers who have previously renewed a term loan are eligible for a 0% origination fee. Customers renewing a term loan for the first time may receive a discounted origination fee. No origination fee discount applies to renewal loans with a 24-month term.
  • All loans are subject to lender approval. Depending on your state, business profile, and loan characteristics, financing may be provided by Ream Advance or one of its lending partners. The lender will be clearly identified in your loan agreement prior to signing.
  • Only select customers with strong credit profiles and sufficient verified monthly revenue who meet specific underwriting criteria are eligible for loan amounts up to $400,000.

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