Whether business is booming or you’re struggling to get by, your cash flow can change in an instant. Be ready for whatever comes with a business line of credit. This allows business owners like you to immediately access whatever working capital you need right now. Whether it’s for an emergency or a seasonal need, this is the financial solution you’ve been searching for.

Use Our Loan Calculator

How can I qualify?

Have a strong foundation

These loans are ideal for businesses that are established

Have a solid yearly revenue

Businesses that have at least $1,000,000 in yearly revenue are most likely to be qualified

Have a high credit score

If you have a credit score above 650, you may qualify for this type of business loan

In order to apply, you’ll need to submit both your personal and business tax returns, along with your business financial statements. We will look over all your business information to determine what the best credit option is for you.



A business line of credit is similar to a credit card in that you can spend and pay back as you please.


With a business line of credit, you’ll only be paying interest on your outstanding balance!

A business line of credit is one of the most flexible options for your company. With the ability to draw and repay funds on a schedule that works for you, you’ll never have to worry about whether or not you can afford your payment. This option is similar to how credit cards work.

Need to manage cash flow? Buy inventory? Pay for a surprise expense? Then a business line of credit makes sense.

Whatever the need may be — a business trip, more inventory, an emergency renovation — a business line of credit may be your ideal choice. Contact Merchant Flow Financial today to get started.

Merchant Cash Advance SBA Loans Factoring Invoices Asset Based Line of Credit
Best for:

-Businesses that need a loan quickly

-Business that can pay a set daily amount or a percentage of credit or debit card sales

-Businesses that are growing

-Businesses that need a quick and manageable loan

-Businesses that need cash quickly

-Businesses that can afford the associated fees

-Businesses that are able to control cash flow

-Businesses with a good financial standing

Length of Loan -Loan is paid off when set amount is paid back to the lender. -Usually between 7 and 25 years -Paid off once original invoice is paid back -Balance is paid off as borrower spends, similar to a credit card

-Purchasing or replacing equipment

-Making a necessary repair

-Opening a new location or bringing on new employees -Paying employees, rent, utilities, etc. when company can’t wait for invoice to be received

-Managing funds

-Monitoring business cash flow and building credit


-Quick and easy to acquire


-Flexible terms and payment plans

-Streamlined process



-Easy approval

-Flexibility with spending and paying back

-Potentially low interest rates

Learn More Learn More Learn More Learn More

If a business line of credit doesn’t seem like the right fit for your business, Merchant Flow has an array of options to choose from.

Equipment Financing

Investment Property Financing

SBA Loans