How does a business line of credit work?

You're approved for a credit limit and draw from it whenever you need cash. You only pay interest on the amount you actually use, and as you repay, that credit becomes available to draw again.

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TITANCAPITAL

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LINE OF CREDIT · $6K–$200K

A business line of credit,
ready when you are.

Q: How much credit can I get?

Lines through Titan Capital range from $6,000 to $200,000, with terms up to 24 months. Your limit is based on revenue and bank history.

A revolving limit you draw from only when you need it — and pay interest on only what you use. The right tool for cash-flow gaps and opportunities you can't put on a calendar.

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WHAT IT IS

Capital on standby, not on the clock.

A business line of credit is a revolving limit you can draw against whenever you need cash. Take $5,000 this week and $20,000 next month — you only pay interest on the amount you've actually drawn, never on the part you leave untouched.

As you pay down what you've used, that credit frees back up to draw again. It's the closest thing to having a cash reserve you didn't have to save for — ready for the gap, the rush order, or the repair you didn't see coming.

Where a term loan is one decisive move, a line is ongoing flexibility. Many owners keep one open simply so they're never caught flat-footed. We'll match you to the lender offering the best limit and pricing for your numbers.

HOW IT WORKS

Open it once, use it for years.

Get approved

Apply in ten minutes with three bank statements and a soft credit pull. We set your limit.

Draw what you need

Pull funds anytime, up to your limit. Interest applies only to what you actually draw.

Repay & reuse

As you pay down the balance, your available credit refills — ready for the next time.

BEST USES

When a line earns its keep.

Cash-flow gapsCover payroll or rent in a slow stretch and repay when receivables land.
Seasonal swingsStock up before peak season, draw down, then pay back from the rush.
Rush opportunitiesSay yes to the bulk deal or big order before the window closes.
Emergency repairsFix the equipment or the roof the day it breaks, not the day cash clears.
Supplier discountsPay early, take the discount, and come out ahead on the spread.
A standing bufferKeep it open and unused as a safety net that costs nothing until you draw.

THE NUMBERS

Line of credit terms.

Credit limit	$6,000 – $200,000
Term	Up to 24 months
Interest	Charged only on what you draw
Time to set up	24–48 hours after approval
Credit check	Soft pull to qualify — no score impact
Documents	Three recent business bank statements

Your limit and rate depend on revenue, time in business, and bank history. Opening a line and leaving it unused costs nothing — you pay only when you draw.

STRAIGHT ANSWERS

Line of credit questions.

How does a line of credit work?

You're approved for a limit and draw from it whenever you need cash. You pay interest only on what you use, and as you repay, that credit becomes available to draw again.

How much credit can I get?

Lines range from $6,000 to $200,000, with terms up to 24 months. Your limit is based on your revenue and bank history.

Do I pay interest if I don't draw?

No. You only pay for what you draw. An open, unused line costs nothing to keep ready.

How fast can it be set up?

Most lines are approved and ready within 24 to 48 hours, with a ten-minute application and three bank statements.

OTHER OPTIONS

Need one decisive sum instead?

READY WHEN YOU ARE

Get your credit line in
about ten minutes.

Soft credit check. No hidden fees. Pay only when you draw.

Start my application See my funding options

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