Line of Credit

A flexible loan that you can access as needed to borrow up to a certain amount over time.

A line of credit allows you to borrow funds for planned and unexpected expenses with a low rate. The approval process is fast and requires minimal paperwork.

Contact us to learn more about a Line of Credit

Call us at 424.335.5640 to speak to a loan specialist today.

Quick business funding without putting assets at risk

How funding works

  • Available for businesses making $20,000+ monthly with owner FICO scores above 600

  • Rates range from 4.8% to 24.99%, with weekly or monthly payments

  • Terms of 6, 12, or 18 months

  • Draw more funds as you repay the principal

  • Credit lines up to $250,000 with fast approval and limit increases for good repayment history

Rates are based on

  • Your credit score and history

  • How long your business has been running

  • Your monthly income from the business

  • The type of industry you’re in

Required documents

  • 3–6 months of bank statements or link your business bank account securely

  • Simple application with basic business and owner info

  • A copy of your driver’s license

  • A voided check from your business account

  • Proof of your business address

Ask Yourself

  • Do you currently owe any business debt? If so, how much and who do you owe?

  • Do you think you’ll need funding in the next 12 months?

  • How do you plan to use the money from a line of credit?

Good to know

  • Set it up now for future needs — you only pay when you use the funds

  • Flexible repayment options: choose weekly or monthly

  • No upfront cost unless you draw from the credit line

  • Ideal for business owners with a 600+ credit score and $20K+ in monthly revenue

Client feedback on our services

We provide financial solutions and business services that empower our clients to stay competitive and grow—helping drive our nation’s economy forward.

Familia M
Thanks to Heritage Advance, I was able to open a second restaurant location in California with full funding for renovations and equipment—exactly what I needed to grow.
Restaurant Owner
Winki Yon
Heritage Advance provided the financing we needed to make essential upgrades. With competitive rates and flexible repayment terms, we saw increased customer traffic—and the loan paid for itself within 1–2 years!
Owns Retail Store

Scale your business faster with reliable, results-oriented growth services.

Accelerate growth with reliable, results-driven, and scalable business services.

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Financing options

15 ways to fund and support your small business

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Financing options

Get up to $20,000,000 in funding — no collateral needed

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Hours

Receive your funds within 48 hours

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