01
Cash flow management
Revenue is consistent but timing isn't. A credit line bridges the gap between when expenses hit and when receivables clear.
Lines of Credit
Capital,
on standby.
Draw what you need. Pay on what you draw.
A revolving credit line that lives with your business. From $10K to $1M, available when you need it.
$10,000 — $1,000,000
Or call (914) 677-2272 — Mon – Fri, 9–7 EST
Line of credit · liveActive
Approved line
$250,000
Available
$187,500
Rate
Prime + 4.5%
Industry
E-commerce · CA
Term
12 mo/draw
Avg. line
$185,000
Explainer
How a line of credit works.
A business line of credit is revolving capital. You're approved for a maximum credit limit and can draw any amount up to that limit, on demand. Each draw is a separate balance that amortizes over the draw term — usually 6, 12, or 18 months.
Interest accrues only on the balance drawn, not the full limit. An unused line costs nothing. Most operators size the line to be larger than they expect to use — capital ready in reserve for the moment it's needed, without paying for the readiness.
The defining feature is the revolving structure. As principal pays down, available credit refreshes. No reapplication, no re-underwriting, no waiting. The line lives where the business does for the duration of the term.
Credit limit
Maximum capital available to draw. The ceiling on combined outstanding balances at any moment.
Draw
An amount borrowed against the line. Each draw amortizes on its own schedule until repaid.
Revolving
Repaid principal becomes available to draw again. No reapplication required during the term.
When it fits
When a line of credit fits.
Lines work best when capital needs are lumpy, opportunistic, or unpredictable in timing.
02
Opportunistic capital
You don't need capital today, but you want it ready for when a supplier discount, a bulk inventory deal, or an acquisition window opens up.
03
Backup to operating capital
Insurance against a slow month, a delayed payment, or an unexpected expense. Doesn't cost you anything until you draw.
Qualifying
What you'll need.
Lines underwrite to credit and cash flow patterns. Once approved, the line sits at zero cost until drawn.
Time in business
1+ year
Annual revenue
$100K+
Credit profile
600+ FICO
Documents
Bank statements, business tax return
Outside these ranges? Talk to us — MCA may be the better fit for newer operators.
How it works at Green Advance
Four steps to a live line.
Approval to live draw access typically runs 1–3 business days.
0110 min
Apply
Business basics, revenue summary, and recent bank statements.
0224–48 hours
Review
Underwriting reviews the file in-house and matches it to the lender path that fits.
03Same day
Offer
Terms presented in writing — rate, payment, schedule, all locked before you sign.
041–3 days
Funded
Sign electronically. Capital wires to your operating account.
Talk it through
Green Advance assistant
Walk through lines of credit with us.
Two minutes of questions, then we'll route you to a funder with the context already in hand.
FAQ
Questions we get, answered straight.
Open a credit line
Open a credit line.
Standing capital.
Ten-minute application. Decision within 1 business day. Active draw access in 1–3 after signing.