A Line of Credit for the Gap That Keeps Coming Back. Draw It, Repay It, Draw It Again.

A set limit the business draws from when it needs to, paying interest only on what is outstanding. Placed with our lending partners.

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Lines of credit

How It Works
When It Fits
Run the Numbers
What You Need
Check Your Options
Questions

A business line of credit is a set limit a business can draw from, repay and draw again, paying interest only on the amount outstanding. The limit is set on the business's deposits, history and credit, and the line stays open for future gaps.

1 to 3 days

To open, as fast as

Revolving

Draw, repay, draw again

Per draw

Interest only on what is out

Soft pull

To check your options

Batch Capital places lines of credit with its lending partners. The lender is named in your agreement before you sign. Talk to Matt: +1 (201) 862-4048

How it works

The Terms, in Plain Words.

How much: A limit set per file, on deposits, time in business and credit.
What it costs: Interest on the outstanding balance only. Some lines add a draw fee or a monthly fee; ask for every fee in writing.
How it is repaid: Each draw is repaid weekly or monthly, and the repaid amount is available to draw again.
How long: The line stays open for its term and is reviewed for renewal.
How fast: As fast as 1 to 3 days to open from a complete file.
Who qualifies: Steady deposits and a few months of history. Our panel's general floors are 3+ months and $10,000+ a month; a line usually asks for more than an advance.

Timing depends on the provider, the time of day you apply, and how quickly documents arrive. Files submitted with complete bank statements before 2 PM Eastern on a business day are the ones that fund fastest. Not every file funds in a day.

When it fits

Use It for the Right Job.

Seasonal swings

Stock up before the season, repay as it sells, and the line is ready for next year.

Slow receivables

Payroll goes out Friday; the customer pays in 45 days. Draw for the gap, repay when the invoice clears.

A cushion you may not use

With no draw, there is no interest. The line sits ready for the week something breaks.

When Something Else Fits Better.

A one-time, planned purchase

A term loan fixes the payment and the end date. Term loans

You need the money tomorrow

A merchant cash advance can fund within 24 to 48 hours of approval. Merchant cash advance

A truck or a machine

Equipment financing lets the equipment secure its own note. Equipment financing

Worked example

Run the Arithmetic.

Computed with the same math the desk prices an offer with. An estimate, not an offer.

A $40,000 Draw on a $100,000 Line.

Held for 60 days at an illustrative 18% APR, then repaid. Your rate and fees are set by the lender.

Credit limit: $100,000
Drawn: $40,000 for 60 days
APR (illustrative): 18.0%
Interest on the draw: $1,183.56
Cost of the undrawn limit: No interest

Interest runs only on the $40,000 drawn and only for the 60 days it is out. The other $60,000 costs nothing until it is drawn, apart from any fees the line carries.

Estimates only. Results depend on the figures you entered and standard assumptions. This is not an offer or a guarantee of funding, does not determine eligibility, and should not be relied on as an accurate statement of the terms available. Actual terms depend on underwriting.

Your numbers

Run Your Own Numbers.

Drag or type any figure. Everything updates together.

Credit limit

Amount drawn

Days outstanding

days

APR

Illustrative. Your rate and any draw or monthly fees are set by the lender.

Interest on the draw

$1,183.56

Drawn $40,000 Interest $1,184

Per month, on average: $599.67
Undrawn limit: $60,000, no interest
Used of the limit: 40%

Interest runs only on what is drawn, only while it is out. Repay it and the full limit is there again.

See what you qualify for

What you need

Have These Ready.

3+ months in business, more for a larger limit
Steady deposits into the business account
Three months of business bank statements and a government ID
Credit checked with a soft pull to apply

Our panel’s floors as of 2026-09-28. Meeting them does not guarantee an offer. Missing one does not always rule you out.

Where you stand

See Your Funding Options in a Minute.

Tap through a few questions. No hard credit pull, and Matt calls you back with real numbers.

1 of 9No hard credit pull

How much are you looking for?

Commonly Asked Questions

How does a business line of credit work?

The lender sets a limit. The business draws what it needs, pays interest only on the amount outstanding, repays it, and can draw again. It works like a business credit card with a higher limit and cash in the bank account instead of card swipes.

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

Steady deposits, a few months of history and a credit check. Our panel's general floors are 3 or more months in business and $10,000 or more a month in deposits as of September 28, 2026; a line usually asks for more than an advance, and a larger limit asks for more again.

Do I pay anything if I do not draw on the line?

No interest, because interest runs only on what is outstanding. Some lines carry a monthly or annual fee whether or not you draw, so ask for every fee in writing before you sign.

Is a line of credit better than a term loan?

For a gap that repeats, yes: you borrow only when the gap opens. For a single planned purchase, a term loan gives a fixed payment and a known end date.

How is the credit limit set?

On the deposits into the business account, time in business and credit. A limit can grow at renewal as the history on the line builds.

How fast can a line of credit open?

As fast as 1 to 3 days from a complete file.

How it works

Funded in Four Steps.

Answer a few questions

About a minute, on this page. No hard credit pull.

Matt calls you

He reads what you sent and tells you what fits before anything is signed.

Lenders compete for the file

Your file goes to the funders it fits. Compare offers on Estimated APR and total payback.

Sign and get funded

The funder is named in your agreement before you sign. Funds land in the business account.

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Keep Reading

Other Ways to Fund It

This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.

Ready when you are

Find Out Where You Stand in a Minute.

A few quick questions, no hard credit pull, and a person in New Jersey who calls you back.

See My Funding Options Call +1 (201) 862-4048

See my funding options