Easy and Flexible Business Funding

A business line of credit to get funding when you need it

Loan Amount

$100K - $15M

Time to Fund

1 - 3 days

Loan Terms

24 - 60 months

With an 85% approval rate, what are you waiting for?

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Business Lines of Credit

Get funding without collateral, from $100,000 to $1,500,000 - Rates as low as Prime + 1.75 - Automatic enrollment in our banks partners Business Rewards program

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Prime Line of Credit

1 year term for secured revolving credit lines from $500,001 to $1,000,000 - Rates as low as Prime + 0.50% - Good for businesses with $2 to $10 million in annual revenues

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Secure business line of credit

Business loans backed by the our banks partners Loan amounts up to $15,000,000 Variable or fixed interest rates

Power Your Business with a Line of Credit

Running a successful business requires access to capital. Whether you’re managing day-to-day expenses or making a major investment, having the right funding is essential for growth and stability.

That’s where a business line of credit from Access Business Loans can make all the difference.

With a line of credit, you’ll gain access to flexible funding that’s always within reach. Draw funds as needed to cover expenses or seize opportunities, and repay at your own pace. As you repay, your credit line replenishes, giving you the freedom to manage cash flow without having to reapply. It’s a smart, straightforward way to keep your business moving forward.

Benefits of an Access Business Loans Short-Term Loan

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Pay Only for What You Use

Access funds when you need them. You’re only charged interest on the amount you draw, making it a cost-effective solution for your business.

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Fast and Flexible Funding

Enjoy business line of credit anytime of your need. We are meant to work accordingly with your financial needs.

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Build Your Business Credit

Strengthen your business credit history by making on-time payments. We report to business credit bureaus, helping you establish a solid financial foundation for future growth.

Get the money your business needs

Requirements for a Business Term Loan

Frequently Asked Questions (FAQs)

How does repayment work for the short-term business loan?
Repayment terms vary based on your approval. Payments are made automatically, with frequency depending on your specific loan program and business profile.
What are the costs associated with the short-term business loan?

Costs depend on the program you’re approved for. Some loans have 0% closing costs, while others may include fees ranging from 0–5%.

Will applying for a short-term business loan impact my credit?

No, applying through Access Business Loans will not impact your personal credit at any stage of the process.

How quickly can I access funds after approval?

Funding can be available as soon as the same day, depending on the lender and your approval terms.

Are there any prepayment penalties?

It depends on the loan. Some have no prepayment penalties, while others offer prepayment discounts.

Can I use my loan for any business purpose?

Yes, short-term loans can be used for nearly any business-related expense, including payroll, inventory, marketing, and equipment.

Do I need collateral to secure the loan?

No, Access Business Loans’s short-term business loans do not require collateral.

How does Access Business Loans determine my loan amount?

We evaluate over 50 factors, including cash flow, revenue, deposit activity, industry risk, time in business, credit profile, and existing loan balances.

Can I apply if I already have an existing business loan?

Yes, you may qualify for an additional loan or options to consolidate existing debt.

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