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Business Lines of Credit

Business Lines of Credit

Turn receivables and inventory into working capital. Revolving lines that grow with your sales, for seasonal swings, expansion and large orders.

Line size$5MUp to, larger case by case
Receivables85%Advance rate, up to
Inventory75%Advance rate, up to
Term1–10 yrsWith renewal provisions
Who it's for

For businesses with receivables and inventory

Asset-based and SBA lines are sized to your collateral, so they can go further than an unsecured line, and underwriting is more flexible than a typical bank line.

Growing businesses

Fund growth when sales outpace cash on hand.

Seasonal businesses

Build inventory ahead of the season and smooth out slow months.

Contractors

Cover labor and materials on contracts before you get paid.

Distributors and manufacturers

Borrow against receivables and inventory as they turn.

Expansion and turnarounds

Capital for rapid expansion or a business getting back on track.

Line refinance

Replace an existing short-term line with better structure.

Program terms

Line of credit terms

Terms available through our lending partner. Your line is sized to your receivables, inventory and cash flow.

Asset-based line
Up to $5,000,000; larger commitments case by case
Receivables
Advance up to 85% of eligible receivables
Inventory
Advance up to 75% of eligible inventory
Term
1 to 10 years, with renewal provisions
Rate
Floating, tied to the Prime Rate
SBA CAPLines
$500,000 – $5,000,000 SBA-backed lines secured by receivables and inventory
Supply chain credit
Trade credit up to $1,000,000 with payment terms up to 120 days
Uses
Working capital, inventory purchases, expansion and refinancing existing lines
Underwriting
More flexible than a typical bank line; pre-qualify online
How it works

A line that grows with your sales

Set your borrowing base

The lender reviews your receivables aging and inventory and sets how much you can borrow against them.

Draw as needed

Borrow against the line when you need cash for payroll, inventory or new orders.

Repay as customers pay

Collections pay down the line, and availability comes back as you invoice and stock up.

What you'll need

Documents checklist

  • Business tax returns for the last 2 to 3 years
  • Year-to-date profit and loss and balance sheet
  • Accounts receivable and accounts payable aging reports
  • Inventory report
  • Recent business bank statements
  • Business debt schedule, including any existing line
  • Personal financial statement for each owner
Example

How a borrowing base works

Your available line is a share of what customers owe you plus a share of your inventory.

Line = 85% of receivables + 75% of inventory
Eligible receivables $1,000,000 × 85%$850,000 Eligible inventory $600,000 × 75%$450,000 Available to borrow$1,300,000

Illustration only. Eligibility rules for receivables and inventory vary by lender.

Common questions

Line of credit FAQ

What is a borrowing base?

The amount you can borrow, recalculated as your receivables and inventory change. More sales mean more availability.

Line of credit or term loan?

A line covers ongoing, changing needs like payroll and inventory. A business loan fits one-time needs like an acquisition or a large purchase.

Does my business need to be profitable?

Asset-based lines focus on the quality of your receivables and inventory, so underwriting is more flexible than a cash-flow loan.

Can I refinance my current line?

Yes. Refinancing an existing short-term line is a common use.

What is supply chain trade credit?

Our partner pays your supplier and gives you up to 120 days to pay, with credit limits up to $1,000,000.

Need cash that keeps up with sales?

Tell us about your receivables and inventory. We'll size a line for you.

Get Started

Terms shown are available through Capital Lending Group's lending partner as of October 2026 and change without notice. Not every business qualifies for every term. Advance rates, line sizes and eligibility depend on collateral quality and lender credit approval. SBA programs are subject to SBA eligibility rules and fees. Capital Lending Group, LLC is a loan broker, not the lender.