Business lines of credit from $50K to $5M provide flexible working capital with rates from 8-18% depending on business revenue, credit profile, and collateral. Traditional bank LOCs offer the lowest rates for established businesses, while revenue-based options provide fast approval (24-72 hours) for companies needing immediate operational liquidity without real estate collateral.
Written by Ed Freeman, Capital Advisory — PeerSense
Access working capital lines of credit from $50K to $5M with fast approval. Revenue-based and traditional LOC options for businesses needing operational liquidity, payroll funding, or project capital.
Minimum 30-35% equity required. Businesses with $500K+ annual revenue, 2+ years operating history, and a need for flexible working capital.
LTV Target
N/A (unsecured or revenue-based)
Est. Rate Range
8% - 18%
Term
12-36 months revolving
Recourse
Full recourse (personal guarantee typically required)
DSCR
1.20x minimum (bank LOC) / Revenue-based qualification
Closing Speed
24 hours - 14 days
Min Loan Size
$50K
Loan Products
Line of Credit, Revenue-Based Financing
A business line of credit is right when you need flexible working capital for operations, payroll, inventory, project mobilization, or seasonal cash flow gaps. Traditional bank LOCs (8-12%) are best for established businesses with strong banking relationships and can wait 7-14 days for approval. Revenue-based LOCs (12-18%) work when speed matters — approval in 24-72 hours based on monthly revenue without traditional underwriting. Use a LOC instead of a term loan when your capital needs fluctuate and you want to minimize interest cost by repaying when cash flow allows. If you need capital for real estate acquisition, equipment, or a specific one-time purpose, a term loan or SBA financing is more cost-effective.
If you need capital specifically for franchise expansion rather than working capital
Learn moreIf your capital need is specifically for equipment purchase rather than operations
Learn moreIf you need to refinance existing debt into lower fixed-rate terms
Learn morePeerSense pre-underwrites every deal before presenting it to our institutional capital sources. With 500+ lender relationships and live market rate intelligence, we match your business (all industries) deal with the right capital source — right now.
No upfront retainer · Fee at closing only · Complimentary initial consultation
Written by Ed Freeman, Capital Advisory — PeerSense. Updated March 2026.
Disclaimer: The information on this page is provided for educational purposes only and does not constitute financial, legal, or investment advice. Rates, terms, and availability are subject to change based on market conditions, property characteristics, and borrower qualifications. The rate ranges cited reflect approximate market pricing as of March 2026 and may not reflect current conditions at the time of reading. PeerSense is a capital advisory firm, not a lender. We do not originate, fund, or service loans. All financing is provided by third-party lenders subject to their own underwriting criteria and approval processes. Borrowers should consult with qualified financial and legal professionals before making any financing decisions.