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a few days

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Small Business Servicing Makes Getting a Business Line of Credit Fast & Easy!

Does your small business find itself in need of extra funding every so often? Your initial response might be to pursue a small business loan, but this might not be the most appropriate solution. Maybe you only need to make a single, quick investment, one that isn’t worth the high interest rates or fixed, monthly payments commonly associated with business term loans. Maybe you’re looking to cover a regular business expense and will not have the money to do until a week or two after it’s due. Situations like this can be solved by a Business Line of Credit.

A Business line of credit is technically a small business loan but it is very different than traditional business funding programs, with regards to terms as well as when it should be used. Still, a business line of credit’s functions are so versatile, it is utilized by hundreds of industries, from retail to landscaping to auto repair. Our finance team specializes in working with business owners across hundreds of industries. They have invested time in intimately understanding their clients’ businesses. This gives us great insight about what types of business loan programs will, and won’t work for your type of business.

When You Need It, It’s There For You

If you’re like many businesses, you experience seasonality or other cyclical factors that impact your revenue and cash flow. Customer demand can surge suddenly, which creates unforeseen requirements for additional cash flow to pay staff or purchase greater quantities of inventory. To help capitalize on these opportunities, UCS can provide business lines of credit within a few days. This flexibility in both funding and repayment helps our clients focus on maximizing sales and profitability, while avoiding lost opportunities due to insufficient access to short term finance needs. Contact us today for your FREE business funding consultation!

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    Max Funding Amount

    $1k to $200k

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    Funding Term

    Up to 18 months

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    Starting at 8%

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    1-3 Business days

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What Documents Will I Need to Apply for a Business Line of Credit?

  • Signed Application
  • Driver’s License
  • Voided Business Check
  • Bank Statements
  • Credit Score
  • Business Tax Returns


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Ready to take the next step and apply for a Business Line of Credit?

What Is A Business Line Of Credit?

Like a traditional small business loan, a business line of credit gives you access to a certain amount of financing. You don’t make payments or incur interest, however, until you actually use the funds. So, if you don’t borrow any funds for one month, then your balance for that month is zero.

Interest rates for a business line of credit are typically lower than a small business loan of the same amount. But, if you are late with a payment or go over your borrowing limit, your interest rate will likely increase significantly. The quicker you pay off the balance for a business line of credit, the lower your interest rate will be. A higher balance means you’ll have less to borrow when the need for funding arises.

Business lines of credit can be “revolving” or “seasonal,” which means they can be used over and over again. If you have a $25,000 line of credit and borrow $10,000, the remaining $15,000 is still available. In additon, if you were to pay off your entire $10,000 balance so that your balance is back down to $0, you would gain access to the entire $25,000 without having to apply a second time.

For these reasons, a business line of credit is often compared to a credit card. Once you pay off the credit limit, you can borrow more funding.

Why Do I Need A Business Line Of Credit For?

Business lines of credit are most advantageous for short term, medium sized investments. If you use a business line of credit for a long-term investment, you won’t have access to the funds in the event of a cash flow problem. And you won’t be able to capitalize on new, lucrative opportunities that require a little extra cash than you have on hand.

Let’s say an item from your store is selling at an unexpectedly explosive pace. You need to order more to meet demand but your vendor needs to be paid upfront. With a business line of credit, you could secure the inventory and then pay off the balance with the money you make from the high volume of sales.

Another common dilemma that can be easily alleviated by a business line of credit is having to cover a regular business expense, like payroll, before you are compensated for a recent project. You could use a business line of credit to cover payroll and then pay off the balance as soon as your full payment comes in.

Let’s Start Our Partnership Today!

Small Business Servicing advises small business owners to think of a business line of credit as an insurance policy for your business when it is suddenly and/or temporarily cash-strapped. They do this primarily because you will likely not be approved for a business line of credit if you apply when cash flow is in bad shape or you are in a financial emergency. The best time to apply for a business line of credit is before you need it, or when your business is doing well. Apply now to see how much you qualify for!

How to Apply for a Business Line of Credit with Small Business Servicing

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    Apply Online in a few minutes

    Use our simple online application to submit a request for business funding. If you need any help along the way, just give us a call, chat or email.

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    Talk to an expert advisor on funding options that best suit your business needs

    An expert, knowledgeable account executive will walk you through all the fine details and the requirements. This is to ensure you have all the info you need.

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    Finalize the application and get the funds sent to your business bank account

    Once your funding has been approved & closed, we send the funds to your account so you can start using it to grow your business.


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