Business Line of Credit
Capital on standby, ready when you are
A revolving line of credit gives your business a ready reserve: draw funds when you need them, repay, and draw again, with costs only on what you actually use.
What is a business line of credit?
A business line of credit is a revolving facility: you're approved for an available amount, draw against it whenever a need arises, and pay only for the funds you actually use. As you repay, your available balance replenishes, one approval keeps working for you.
It's the difference between having capital and having access to capital. For businesses whose needs come in waves, a slow month here, an opportunity there, a line of credit means never starting a funding application from zero.
Qualification follows the same revenue-first standard as all Oak Capital funding: your business's performance, not your credit file, drives the decision.
Who qualifies?
A line of credit suits businesses with recurring or unpredictable capital needs and consistent revenue.
| Criteria | What we look for |
|---|---|
| Time in business | 3+ months. Newer businesses can qualify with strong revenue. |
| Credit score | Not a barrier, we've denied 0 applications due to credit. Approval is based on business performance. |
| Revenue | Consistent business revenue. Your cash flow, not your credit file, carries the application. |
| Application | One page, 2-3 minutes. No stacks of paperwork to start. |
How repayment works
You repay only what you've drawn, and as balances are repaid your available credit revolves back for future use. Costs apply to funds you use, an untapped line isn't a running expense the way a lump sum is.
As with all our funding, pricing is transparent: every cost is disclosed up front, and repayment options can be structured around your revenue.
Oak Capital vs. a traditional bank
35% of merchants can't get bank money at all. For the rest, here's what the trade looks like.
| Oak Capital | Traditional bank | |
|---|---|---|
| Application | One page, 2-3 minutes | Long forms and document stacks |
| Decision | Most applications reviewed the same day | Often days to weeks |
| Funding speed | As little as same day, typically 24-72 hours | Typically weeks after approval |
| Credit score | Not a barrier. 0 denials due to credit | Credit-score driven; 35% of merchants can't get bank money |
| Pricing | Every cost disclosed before you accept | Varies by product and fine print |
| Repayment | Options based on your revenue or property | Fixed schedules regardless of cash flow |
Talk it through with a funding specialist
Same-day review, every cost disclosed up front, no obligation to accept.
What businesses use a line of credit for
A line of credit shines where timing is unpredictable but the need for speed is certain.
Smoothing seasonal cash flow
Draw in slow months, repay in strong ones, and stop timing your expenses around your receivables.
Recurring inventory cycles
Restock on your schedule with a facility that replenishes as you sell through.
Unexpected expenses
Repairs and surprises get covered the day they happen, no new application needed.
Opportunistic buys
Move on supplier discounts and short-window deals with funds already at hand.
Industries we fund
If your business earns revenue, it fits. These are the industries we see most.
- Restaurants & cafés
- Retail & e-commerce
- Construction & trades
- Medical & dental
- Trucking & logistics
- Salons & spas
- Auto repair & services
- Professional services
- Manufacturing
- Hospitality
Line of Credit FAQs
See what your business qualifies for
One page. 2-3 minutes. A funding specialist will match your revenue profile to the right structure, no obligation.