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Capital on demand. Revolving credit from $10K to $250K — draw when you need it, pay only for what you use.
A business line of credit gives you the flexibility to access funds on your own schedule. Unlike a lump-sum loan, you draw only what you need — when you need it — and pay interest only on the amount you've drawn.
This revolving structure makes lines of credit ideal for managing seasonal fluctuations, covering unexpected expenses, or seizing time-sensitive opportunities. As you repay, your available credit replenishes automatically.
Our lines of credit range from $10K to $250K with terms from 6 to 36 months. Approval typically takes 2-3 business days, and once established, you can draw funds instantly through your online portal.
Draw funds when opportunities arise and repay at your pace. Your credit line replenishes as you pay, creating a permanent safety net for your business.
Only pay interest on the capital you actually use. If you draw $50K from a $250K line, you're only charged on the $50K.
Once established, funds are available instantly through your online portal. No need to reapply each time you need capital.
Explore costs across different funding products. Adjust the sliders or pick a scenario below.
Factor rate varies by term length and business profile.
Est. Monthly Payment
$11,042
Total Repayment
$132,500
Cost of Capital
$32,500
Factor Rate
1.32x
Effective Ann. Rate
32.5%
This calculator provides estimates for illustrative purposes only. Actual rates, terms, and eligibility depend on your business profile, credit history, and lender underwriting. Apply to receive a real offer.
See why 10,000+ businesses chose Creative over traditional financing.
Don't have all of these? Apply anyway — our team will work with you to find a path forward.
“After being turned down by two banks, Creative Capital got us approved for a $250K line of credit in under a week. Their team understood our business model and found the right lender match. It's been a game-changer for managing cash flow.”
Sarah Chen
Founder & COO, Brightpath Logistics
Apply in 5 minutes. No credit impact. A funding advisor will be in touch within the hour.
Takes 5 minutes. No credit impact. No obligation.