Business Line of Credit

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Funding Options 💵 Working Capital 📅 Term Loans 🔄 Line of Credit 🏗️ Equipment Financing 🌇 Bridge Loans 📄 AR / Invoice Funding About How It Works Reviews Industries Recent Deals Referrals Contact FAQ Calculator 📞 866-869-6790 Apply Now
Product Details

What Makes This Product Work for You

Everything you need to know about this financing solution.

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Revolving Credit — Draw, Repay, Repeat
Unlike a term loan, your credit line replenishes as you repay. Draw funds when you need them, pay back on your schedule, and your available credit resets automatically.
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Pay Interest Only on What You Use
You're never paying for capital you're not using. Interest accrues only on your outstanding balance — not your full credit limit. Keep costs low during slow seasons.
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Instant Draws Once Approved
Once your line is established, access funds instantly whenever you need them — no reapplying, no waiting. Same-day availability, 24/7.
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Prepayment Discounts
Pay down your balance early and earn significant discounts. We offer prepayment incentives including up to 100% interest forgiveness depending on qualifications — zero penalties, maximum savings.
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Builds Business Credit
Responsible use of your credit line helps establish and strengthen your business credit profile, opening doors to better terms down the road.
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1+ Year in Business Required
Qualify with at least 1 year in business and $70,000+ in monthly revenue. We work with businesses across all industries — for established businesses ready to grow.
The Process

Three Steps to Funding

Apply in minutes, hear back the same day, and get funded within 24 hours of approval.

1
Apply in Minutes
Fill out our simple online application in under 5 minutes. No documents required to check your rate. No hard credit pull.
2
Get Matched & Approved
Our team reviews your application same day. Submit before noon, hear back by end of business — guaranteed.
3
Funds in Your Account
Once approved, funds are wired directly to your business account — often within 24 hours of final approval.
Is This Right for You?

Find Your Perfect Fit

✅ Good Fit For...

  • ✅ Seasonal businesses managing cash flow
  • ✅ Covering payroll gaps between invoices
  • ✅ Bridging delays on outstanding receivables
  • ✅ Ongoing operational expenses and contingencies

⚠️ Consider Alternatives If...

  • ⚠️ One-time large purchases (use a Term Loan)
  • ⚠️ Businesses under 1 year in business or under $75K monthly revenue
⭐ 4.9 out of 5 on Trustpilot
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Read all reviews on Trustpilot ↗
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We had a great experience working with Ron & Dan. No pressure, no gimmicks, just clear and honest communication. They are hands down the best. Truly refreshing, straight shooters who get the job done and genuinely help small businesses succeed.
✓ Verified Trustpilot Review — December 2025
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Having been in business for 30 years I can attest that Cheddar is an excellent small business resource. I highly recommend Dan and his team.
✓ Verified Trustpilot Review — February 2026
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These guys could not make the process any easier! I literally applied for my loan yesterday and I have already been funded. I would highly recommend them to anyone.
✓ Verified Trustpilot Review — November 2024
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I’ve had the privilege of dealing with Cheddar Capital many times over the last 10 years. Dan and Ron are fantastic — they’ll answer your questions and find you the best loan with the attention as if you’re their only client.
✓ Verified Trustpilot Review
Get Started

Ready to Get Funded?

Takes 5 minutes. No documents needed to check rates. No hard credit pull. No personal guarantee required.

🔒 Your information is 100% secure. No hard credit pull. No spam.
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Before You Go — What’s Holding You Back?

Most businesses qualify with $75K+/mo in revenue and at least 1 year in business — no pressure, no hard pull.

✅ Check If I Qualify — 60 Seconds

Disclaimer: Cheddar Capital Partners keeps its information as accurate and as up to date as possible. This information can be different than your financial institution offerings, products, or services. All pre-qualified offers and approvals are subject to credit review and final underwriting. If you find discrepancies with your credit score or information from your credit report, please contact Experian® or Equifax® directly. Commercial mortgages are not available in the state of California.

*Subject to underwriting and credit approval, not all applicants qualify for same day funding.