No cost. No impact to your credit.
A OracleFundingGroup line of credit that's ready when you are.
Get approved once and draw funds whenever your business needs them — 24/7, with interest on only what you use.
- Revolving
- Flexible
- Customizable
What is a business line of credit?
A business line of credit is revolving working capital. Instead of receiving one lump sum, you're approved for a maximum limit and then draw against it whenever you choose. Need $8,000 this week for materials? Draw $8,000. The remaining availability stays untouched and costs you nothing.
Because it revolves, the line refills as you repay. A contractor who draws $25,000 in March and pays it back by July has that $25,000 available again in August — no reapplying, no new paperwork, no waiting on an underwriter during the busiest month of the year.
That structure is why so many of the 150K+ businesses we've funded since 2006 keep a line open even when they don't need it. It's insurance against the surprise repair, the late invoice, and the opportunity that shows up with a 48-hour deadline.
What can you use it for?
Working capital, on your terms.
Manage cash flow gaps
Bridge the weeks between invoicing a customer and getting paid so payroll, rent, and suppliers never wait.
Purchase inventory
Stock up ahead of your busy season or take advantage of bulk pricing without draining your bank account.
Cover equipment repairs
When a truck, oven, or compressor goes down, draw what you need and get back to revenue the same day.
Meet payroll
Keep your team paid on schedule through slow months, seasonal dips, or a late-paying commercial client.
Seize opportunities
Win a bigger contract, buy a competitor's equipment at auction, or open a second location on short notice.
Expand operations
Fund a build-out, a new service line, or a marketing push while keeping cash reserves intact.
Why choose our line of credit?
Only pay for what you borrow
Your line sits ready at no cost. Interest applies only to the dollars you actually draw, and paying early reduces what you owe.
Instant funding*
Once your line is open, draws are requested online in seconds and can hit your business checking account within seconds*.
Build business credit
Consistent, on-time repayment strengthens your business credit profile, which can unlock higher limits and better pricing over time.
How does it compare?
Three common ways to fund short-term needs — and where each one fits.
| Feature | OracleFundingGroup Line of Credit | Term Loan | Business Credit Card |
|---|---|---|---|
| Funding speed | Line opens fast; draws fund within seconds* | Lump sum as soon as 24 hours later | Days to weeks for card issuance |
| Credit limit | $6K – $200K revolving | $5K – $2MM one-time | Typically under $50K |
| Repayment | 12, 18, or 24 months per draw | Fixed payments over a set term | Revolving minimums, variable rate |
| Best for | Recurring or unpredictable cash needs | Large, one-time investments | Small everyday purchases |
Get funded in 3 simple steps
- 1
Complete the application
Answer a few questions about your business and connect your bank statements. It takes minutes, and checking your rate has no impact on your personal credit.
- 2
Get a decision
A dedicated OracleFundingGroup loan advisor reviews your file, confirms your limit, and walks you through terms — no brokers in the middle.
- 3
Draw your funds
Sign electronically and your line is live. Request a draw any time, day or night, and repay on a 12, 18, or 24 month schedule.
Business owners who keep a line open
“We draw in the spring to stock parts and pay it down over the summer. Having the line open changed how we bid jobs — we stopped turning work away.”
“I needed inventory three weeks before my biggest sales month. The draw was in my account before I finished my coffee.”
“Our contracts pay net-60 but payroll is every two weeks. The line of credit closed that gap and I stopped losing sleep.”
Basic requirements
If you meet these four minimums, there's a good chance we can help.**
Frequently asked questions
Ready to get started?
See your available limit in minutes. Checking your rate has no impact on your personal credit score.