Merchant Cash Advance
Advance against future card sales, flexible repayments.
Learn moreUS lead product · Working capital
Business Line of Credit
Revolving working capital, draw only what you need.
$10k – $500k6 – 24 months (revolving)Same day – 3 days
- Secured & unsecured lines
- Same-day approval available
- Draw on demand, pay interest only on drawn
What is business line of credit?
A business line of credit gives operators a revolving facility they can draw against on demand, pay interest only on what's drawn, redraw as it's repaid. It's the go-to product for smoothing seasonal swings, payroll gaps and opportunistic inventory buys.
Because underwriting relies heavily on bank statement cash flow, approvals are fast, often within a day. That produces a high-conversion, high-frequency lead flow.
Product mechanics
Key numbers your BDO team should know before the first call.
- Loan range
- $10k – $500k
- Typical term
- 6 – 24 months (revolving)
- Indicative rates
- 9% – 30% APR (indicative)
- Funding speed
- Same day – 3 days
- Typical borrower
- Established small businesses managing seasonal cash flow, payroll, or inventory purchases.
- Why brokers want these
- Fastest-closing product; near-instant online decisions from many lenders.
Common use cases
- Seasonal payroll and A/P bridging
- Inventory buys ahead of a busy season
- Marketing spend to capture demand
- Emergency cash flow gaps
Typical borrower qualifications
- 6+ months TIB
- $10k+ monthly revenue
- FICO 600+
- Business checking account with 3+ months statements
Why brokers buy from us
Why working capital brokers buy business line of credit leads from us
What makes this feed different from generic aggregator flow.
Real-time delivery ready, quote in real time so you win the deals your rate card supports
Bank statement prompt captured on ~40% of enquiries, cutting time-to-decision
Stacking status disclosed so you can decline out-of-box files without an underwriter touch
Compare
How business line of credit compares to adjacent products
Help your team route enquiries to the right product on day one.
vs Merchant Cash Advance
MCA is a one-shot advance repaid daily; a LOC is revolving with pay-as-you-draw interest, better cost per dollar for recurring gaps.
View Merchant Cash Advancevs Working Capital Loans
Term WC gives a lump sum with fixed daily/weekly payments; a LOC preserves flexibility for uncertain draw timing.
View Working Capital Loansvs Business Credit Cards
Cards are simpler for sub-$25k needs and reward spend; LOCs cover larger, cash-out-to-vendor use cases.
View Business Credit CardsOur lead generation process
How we generate business line of credit leads
Every enquiry is captured, consented and vetted before it reaches your CRM.
Source channels
- SEO for 'business line of credit' and comparison content (LOC vs MCA, LOC vs term loan)
- Google Search Ads on high-intent LOC keywords with same-day-approval angle
- Aggregator integrations with alt-finance partners for real-time LOC intent
- Compliant email nurture to opted-in SME database (renewal reminders drive strong response)
Data captured on each lead
- Requested line size and primary use of funds
- Time in business (6-month gate) and average monthly revenue
- Owner FICO band (self-reported, then verified at soft pull if buyer runs it)
- Existing debt, outstanding MCA positions and stacking status
- State, industry NAICS and business checking bank
Vetting workflow
- 6-month TIB and $10k monthly revenue gate at capture
- Restricted-state and restricted-industry filter applied to buyer feed
- Bank-statement upload prompt to accelerate underwriting for buyers who accept it
- TCPA + CAN-SPAM consent captured with IP, timestamp, source URL
What a lead looks like
Verified enquiry
$10k · Business Line of Credit
LLC · US-based · phone-verified decision-maker · TCPA consent on file
- Requested line size and primary use of funds
- ✓
- Time in business (6-month gate) and average monthly revenue
- ✓
- Owner FICO band (self-reported, then verified at soft pull if buyer runs it)
- ✓
- Existing debt, outstanding MCA positions and stacking status
- ✓
Who this suits & how we qualify
Best fit for
ISOs, working capital brokers, and lenders with same-day decisioning platforms.
Qualification standard
- 6-month TIB and $10k monthly revenue gate at capture
- Restricted-state and restricted-industry filter applied to buyer feed
- Bank-statement upload prompt to accelerate underwriting for buyers who accept it
Turnaround
Fresh, consent-captured enquiries delivered to your CRM inside your agreed response window.
Broker FAQs
Common questions from buyers of business line of credit leads.
Related products
Other working capital lead flows we supply.
Alternative Financing
Short-term & unsecured term loans outside traditional bank underwriting.
Learn moreTerm Loans
Traditional and online fixed-payment term loans.
Learn moreReady for vetted Business Line of Credit enquiries?
Tell us your credit box and volume, we'll come back within one business day.