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The Flexibility to Fund Any Opportunity

A business line of credit from Solid Capital gives you access to funds on demand. Draw when you need capital, repay, and access it again. Pay interest only on what you use.
Your Vision, Our CapitalWe offer flexible funding options, turning your vision into reality with strategic capital investments.

A business line of credit is one of the most flexible funding tools available. Unlike a term loan, you don't take a lump sum you draw funds as you need them, up to your approved limit. You only pay interest on the amount you've drawn, not on unused funds. Repay what you've drawn and your full limit becomes available again.

How Our Line of Credit Works

01

Apply online in 5 minutes

Share your basic business information, average monthly revenue, and how much credit access you need. Fast, simple, no red tape.

02

Get Approved and Receive Your Credit Limit

A Solid Capital advisor reviews your application and sets your approved credit limit — typically within the same business day.

03

Draw Funds When You Need Them

Access capital on demand, up to your approved limit. Transfer funds directly to your business bank account whenever an opportunity or expense arises.

04

Repay and Reuse

Pay down your balance and your full credit limit becomes available again. You only pay interest on what you’ve drawn — never on unused funds.

Line of Credit Details
Credit Limit
$5,000 – $5,000,000
Reusable
Yes, revolving facility
Credit Policy
All credit considered
Interest
Only on amount drawn
Speed
Funding in as little as 24 hours
Best For
Managing cash flow, covering gaps, seizing short-term opportunities
Is A Business Line of Credit Right For You?
Business Line of Credit
Experience seasonal or cyclical cash flow fluctuations and need flexible access to working capital
Want a financial safety net for unexpected expenses without taking on a full lump-sum loan
Need to bridge gaps between client invoicing and actual payment receipt
Are managing multiple short-term capital needs — inventory purchases, payroll timing, vendor deposits
Have been declined for a bank line of credit due to credit history, time in business, or income documentation
Prefer to pay interest only on funds actually used, not on an entire loan amount
Business Line of Credit vs. Traditional Bank Credit Line
FeaturesSolid CapitalTraditional Bank
Approval TimeAs fast as 24 hours2–6 weeks typical
Credit RequirementsAll credit considered700+ score typically required
Collateral$5,000 – $500,000Often $25K+ with conditions
RepaymentPay only on drawn amountAnnual fees + drawn interest
ApplicationYes — draw, repay, reuseYes, but with stricter conditions
Approval Rate89% of applicants approvedHighly restrictive for SMEs

FAQ

Have Questions?
We Have Answers.

Curious about securing funding or a mortgage with Solid Capital? We've compiled answers to frequently asked questions to guide you.

View all faq

Ready to get the funding your business deserves?

Apply in 5 minutes and get a decision today.No obligations, no impact to your credit score to apply.

No obligation. No impact to your credit score to apply.

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