Fast, Easy, and Flexible Business Funding

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

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

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Business Name*

Annual Revenue*

Email Address*

Phone number*

Time in Business*

Credit Score*

Applying will not impact your credit score….*

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Revolving lines of credit from $5,000 to $1 million

Flexible repayment terms of 6 to 48 months

Payments are set at weekly or monthly

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 ReilCap 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 ReilCap Line of Credit

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.

Fast and Flexible Funding

Get the money you need, exactly when you need it. Enjoy quick access to funds 24/7, even on nights and weekends, so you can stay agile in any situation.

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.

How to Get a Business Line of Credit with ReilCap

Complete our quick online application.
Review and sign your application and e-documents.
Submit essential documents and receive your funds quickly.

Requirements for a Business Line of Credit with ReilCap

Fico score of 600+
Business in operation for 1 year
$400,000 in annual revenue

Frequently Asked Questions (FAQs)

Repayment on your line of credit is structured over a set amortization period ranging from 12 to 48 months, depending on your approval terms. Interest accrues daily throughout this period. If you decide to repay the full principal amount before the end of your amortization schedule, any outstanding interest is waived, meaning you won’t owe the remaining interest that would have accrued. Additionally, if you make a bulk repayment—paying more than the minimum required payment—the interest associated with that extra principal amount is waived, reducing the overall cost of your line of credit.

To qualify for a credit line increase, you should demonstrate a strong payment history and responsible, active utilization of your existing line of credit. An increase in your business revenue in the months following the establishment and activation of your line of credit will also contribute to your eligibility for a higher credit limit. This can be reviewed by submitting your most recent business bank statements or by providing access through a bank verification streaming link such as Plaid or Decision Logic, which may have been required prior to activating your line of credit.

The costs associated with the line of credit depend on your approval terms. In some cases, there may be a 0% draw fee, while in others, a draw fee of up to 2% may apply to the amount you withdraw, either for the initial or subsequent draws. There are no maintenance fees, annual fees, or inactivity fees associated with your line of credit.

Yes, your line of credit can help build your business credit history. By consistently making timely payments and responsibly managing your credit line, your positive payment history may be reported to business credit bureaus. This can enhance your business credit profile, potentially improving your ability to secure additional financing or better terms in the future.

No, applying with ReilCap will not impact your credit score because we do not perform a hard credit inquiry during the application process. Instead, we may conduct a soft credit check, which does not affect your credit score.

Interest can be used for write-off purposes.

The line of credit does not terminate after the amortization period, the amortization period just dictates how long it would take to fully repay the balance outstanding if only the minimum payments each month are applied.

The credit line does not show as debt on a business owner’s personal credit.

Portal access is provided to access and use the LOC where any auto minimum payment, bulk repayment, full repayment, or draw will debit or credit into your bank account via ACH.

First minimum payment reflects a month following the draw of the line of credit.

Max lending for a line of credit at ReilCap is $1 million.

Fast, Easy, and Flexible Business Funding

Power Your Business with a Line of Credit

Benefits of an ReilCap Line of Credit

How to Get a Business Line of Credit with ReilCap

Requirements for a Business Line of Credit with ReilCap

Frequently Asked Questions (FAQs)

How does payback work on my line of credit?

How do you get a credit line increase?

What are the costs associated with the line of credit?

Does my line of credit build business credit history?

Will applying with ReilCap impact my credit?

How will my line of credit impact my taxes?

Does my business line of credit terminate after the amortization period?

Will my business line of credit impact my personal credit?

How do I access my business line of credit once approved?

How are minimum payments set for my business line of credit?

What is the maximum amount I can request for my business line of credit?

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