Capital, on tap.

A business line of credit gives you a pool of capital you can draw against on demand. Pull what you need when you need it; pay it back; draw again. You only pay interest on the balance you actually use, and the line stays available for the next opportunity. It's the most flexible product we offer for managing working-capital swings.

Lines of credit reward discipline. Used well, they're cheaper than a term loan because you only carry interest on what's actually drawn. Used poorly — drawn to the limit and held there — they start to look like an expensive term loan with worse terms. The right operator treats the line as a buffer, not as funding.

The right operator for a line of credit is one with predictable revenue but episodic capital needs — covering a payroll gap during a slow week, buying inventory ahead of a busy season, taking advantage of a one-time supplier discount. Used as a buffer rather than as primary funding, it's the cheapest insurance policy a small business can carry.