Revolving credit

Business Lines of Credit up to $2M revenue-based and $20M invoice-based

A Leap Funding business line of credit is true revolving credit: draw what you need, repay it, and draw again, paying only for what you use. Revenue-based lines go up to $2,000,000, and invoice and accounts-receivable based lines go up to $20,000,000.

Apply for a Business Line of Credit

Business Line of Credit terms and requirements

Revenue-based lineUp to $2,000,000
Invoice / AR-based lineUp to $20,000,000
StructureRevolving — draw, repay, repeat
Minimum credit score650+ FICO
Time in business2+ years
Revenue$50,000+ monthly

Requirements are general guidelines. Final terms depend on underwriting.

Who a Business Line of Credit is best for

  • Businesses with 2+ years in business and $50K+ in monthly revenue
  • Owners with a 650+ FICO score
  • Managing cash-flow timing, seasonal swings, or slow-paying customers
  • B2B companies with outstanding invoices (AR-based lines)

What you need to apply

  • •Short application
  • •Recent business bank statements
  • •Accounts receivable aging report (for invoice-based lines)
  • •Business tax returns and financial statements for larger lines

How it works with Leap Funding

  1. Step 1

    Apply

    Complete a short online application — it takes a few minutes.

  2. Step 2

    Get matched

    We review your file and match it to the funding programs you qualify for across our lending network.

  3. Step 3

    Get funded

    Compare your options with a dedicated advisor and choose the one that fits.

Business Line of Credit FAQ

How does a business line of credit work?

You are approved for a maximum limit and can draw funds whenever you need them. You pay only on the amount drawn, and as you repay, that credit becomes available again.

What is the difference between a revenue-based and an invoice-based line of credit?

A revenue-based line is sized on your bank deposits, up to $2,000,000. An invoice or AR-based line is secured by your outstanding customer invoices and can reach $20,000,000.

What do I need to qualify for a business line of credit?

Generally a 650+ FICO score, 2 or more years in business, and $50,000 or more in monthly revenue.

Is a line of credit better than a term loan?

A line of credit suits recurring or unpredictable needs. A term loan suits a single large purchase or refinance with a fixed payoff schedule.

Other funding options

See what you qualify for

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