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Small Business Line of Credit – Same‑Day Access To Working Capital

Keep operations humming with a renewable Business Line Of credit. We offer instant approvals, no collateral, and same‑day funding to help you cover payroll, inventory, or any business emergency.

Line Of Credit

Line Of Credit

Easy Application

Apply online in minutes

No hard credit pull

Approved in 24 hours

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Flexible Funding

Instant access to cash

Pay only what you use

Replenish as you repay

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Safety Net

Capital ready anytime

Cover surprises with ease

Move fast on opportunities

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Business meeting

What is a Line Of Credit?

A business Line Of Credit is a revolving pool of funds that you can draw on whenever cash-flow gaps or growth opportunities arise. Unlike a term loan, you pay interest only on the amount you use, and every repayment instantly frees up available credit, giving your company a safety net for payroll, inventory, or unexpected expenses. Looking for a Term Loan? Click here.

Key Benefits Of A Line Of Credit

  • Quick & Easy Application
  • Only Pay on What You Use
  • No Hard Credit checks
  • No Collateral Required
  • Revolving Credit
  • Dedicated Funding Manager
  • Same Day Funding
  • Flexible Repayments

How Does A Business Line Of Credit Work?

A business line of credit is money on demand. Here’s how it works: one quick application gives you ongoing access to capital, and every repayment restores your limit—keeping your business prepared for any business opportunity or emergency.

How Do I Apply For A Line Of Credit?

Application

Complete our simple 5-minute online application — no paperwork required.

Qualification

Our expert team will provide loan approvals that fit your needs.

Decision

Your dedicated account manager will guide you through your funding options.

Funding

Receive the funds in as little as 24 hours.

Apply Now

Minimum Requirements For A Line Of Credit

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525 Credit Score

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$180K+ Annual Revenue

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6+ Months in Business

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Business Checking Account

Line of Credit FAQ

For more detailed answers to your questions, take a look at our resources page or speak to one of our team members at (347) 694-8180
  • Minimum six months in business.
  • Minimum of $180,000 in annual revenue
  • Minimum 525 Personal FICO score
  • Business checking account
No. Applications are always free.
Pinnacle only requires basic information about your business and yourself. We may ask for: Your business tax ID, your last three months of business bank statements, and information on the business owner(s).
We pride ourselves on our quick and simple application process. It takes under 5 minutes to fill out our online application. You can also apply over the phone by calling (347) 694-8180
Once your application is approved, we'll deposit the funds into your account quickly – as soon as a couple hours.
No. Pinnacle Funding does not perform a hard credit check to obtain an approval for your business.
Yes! Assuming payments are made in good order, we'll be happy to offer you more future funding.

The amount of business credit you can qualify for depends on factors like your company’s financial health, credit profile, and the lender’s criteria. Businesses with strong revenue and solid credit scores typically secure higher limits and more favorable terms, including lower interest rates.


With a Pinnacle Funding Line of Credit, qualified applicants can access up to $150,000. The application takes just minutes, and only a soft credit check is performed—so your credit score remains unaffected.

Yes. If you qualify for our 100% prepayment benefit discount, you can fully pay off the loan early and have the remaining interest waived with zero penalty or fee.

Pinnacle Funding is highly rated by real businesses