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What is a Line of Credit?

When your small business needs to maximize cash flow, a line of credit might be the solution.

Business Revolving Line of Credit
Many small-business owners may encounter cash flow management issues, having to balance out seasonality with sustained growth and revenue generation. A Cardiff Line of Credit helps to accommodate a firm’s year-long credit demands, ensuring a consistent flow of capital at optimal rate for the borrower.

Funds On Demand

No matter your business’s needs, you can access the funds from your line of credit wherever and whenever at the press of a button.

No Hidden Fees

Have peace of mind while you pay only for what you use. No prepayment, no maintenance costs, and no closure fees.

Revolving Line of Credit

Your line of credit is replenished as soon as you make repayments, helping you keep funds on hand for any occasion.

Scaling Credit

No matter where your business is at, there’s a line of credit for you. Need to upscale or downsize? There’s a line for any business, at any size, at any time.

Business Line of Credit Solutions Built for Flexibility and Growth

Every business has moments where timing matters. Whether you’re covering payroll, purchasing seasonal inventory, or investing in growth, a business line of credit gives you the financial power to move quickly and seize opportunities. It gives you breathing room to weather short-term cash flow gaps without locking yourself into fixed loan terms. You get the flexibility to borrow what you need, when you need it, and only pay interest on the amount you use.

When your business needs quick access to funds without the hassle of reapplying for a new loan each time, a line of credit offers the ideal solution. Cardiff’s unsecured business line of credit solutions are built to move fast, fit your operations, and help you stay financially agile.

When you get a business line of credit, you get a financial lifeline that grows with you, allowing you to borrow what you need, when you need it, without overcommitting upfront.

Get a Business Line of Credit

What is a Business Line of Credit?

A business line of credit is a flexible business funding vehicle that works much like a credit card but with more favorable terms for working capital. Think of it as a reusable pool of funds. Once you’re approved, you’re granted a specific credit limit. You can draw funds up to your approved limit for any business expense. When you repay what you use, you replenish your available balance.

This revolving business line of credit is ideal for managing cash flow, buying inventory, handling unexpected repair costs, bridging seasonal dips in revenue, or investing in product development. You don’t have to commit to a lump sum upfront. Instead, you draw down funds as needed. And because it’s revolving, you can reuse it over and over.

Most lines of credit come with:

  • Variable repayment terms based on your usage
  • Interest only on drawn funds, not the full credit limit
  • Quick access to funds with online portals or same-day transfers

Unlike many credit cards or short-term loans, Cardiff’s working capital line of credit options are designed to support long-term business health rather than just short-term gaps. Lines of credit are especially popular with small businesses, startups, and seasonal operations that experience cash fluctuations.

Instant Business Line of Credit

Secured vs. Unsecured Business Line of Credit

You typically have two options when applying for a line of credit: a secured or unsecured business line of credit. A secured line of credit requires collateral like equipment, property, or invoices for approval. These assets assure the lender that you will repay the funds you borrow.

Approval for an unsecured line of credit depends solely on your creditworthiness and business health. You do not need to provide collateral. You also cannot lose assets if you fall behind on your payments.

Cardiff offers both secured and unsecured business line of credit options depending on your financial profile. That means you don’t always have to tie up collateral to get a business line of credit that fits your cash flow. Plus, approvals can be fast. Some qualified applicants may gain access to an instant business line of credit when time is of the essence.

Why Choose a Business Line of Credit Over a Loan?

Traditional business loans have been the lifeblood of companies. However, this one-time infusion of capital with a strict repayment schedule doesn’t work well in all scenarios.

A term loan gives you a lump sum upfront. Once repaid, it’s closed out. A small business working capital line of credit offers continuous access to funds. No need to reapply for capital when an opportunity presents itself or an urgent expense arises. It is ideal for meeting your business’s fluctuating cash needs.

A few reasons to choose a credit line:

  • You want the flexibility to borrow as needed.
  • Your expenses are erratic or unpredictable.
  • You don’t want to pay interest on unused capital.
  • You need reusable access to funds without reapplying.

From handling short-term expenses to investing in new opportunities, your ability to pivot is what sets you apart from the competition. Cardiff’s line of credit working capital solution is designed to support that agility, giving your business the ability to move forward confidently. Whether you’re running payroll, covering vendor payments, or investing in last-minute marketing pushes, our business credit line of credit keeps you funded and focused.

Common Use Cases for a Business Line of Credit

Your business needs can shift weekly. Here are smart ways entrepreneurs use a working capital line of credit to stay one step ahead:

Cash Flow Stability

Bridge revenue gaps between invoices and payments with funds drawn from a line of credit.

Inventory Purchasing

Use a merchant line of credit to stock up ahead of peak sales cycles or buy in bulk for greater discounts.

Payroll Management

Access a payroll line of credit to ensure employees are paid on time and in full.

Marketing Campaigns

Test new advertising strategies without straining cash reserves using your line of credit.

Equipment Upgrades

Make small capital improvements incrementally by drawing and repaying funds.

Whether you run a retail shop, service business, or seasonal operation, Cardiff gives you the tools to unlock consistent growth with a small business working capital line of credit.

How to Get a Business Line of Credit

If you’re ready to apply for a revolving business line of credit, Cardiff makes the process fast, secure, and tailored to your needs. Here’s what it generally takes:

  • FICO score of 550+
  • 12 months of business history
  • Consistent monthly revenue
  • Business bank statements for underwriting review

Unlike banks that can take weeks, Cardiff offers instant business line of credit decisions with minimal documentation. If you’re searching for merchant financing options that match your cash flow style, a Cardiff merchant line of credit may be the right fit.

What Makes Cardiff Different?

At Cardiff, we know that every business is unique, which is why we don’t give you cookie-cutter solutions. Instead, we offer small business owners personalized limits and repayment structures that work for your business. A working capital line of credit from Cardiff allows you to grow your business without overburdening payments.

At Cardiff, we believe the best business decisions happen when customers have options. Our application, approval, and repayment processes are seamless and designed for speed, so you don’t lose valuable time filling out forms and jumping through hoops. We provide transparent rates and renewal options for our clients.

If you’ve been thinking, “I need funding for my business,” Cardiff gives you direct access to what matters most: working capital you can use now. Plus, you get support from real people who understand your growth goals.

Line of Credit Working Capital
Cardiff Loans

Growing With Cardiff’s Business Line of Credit

Whether you’re planning to stock up on inventory, invest in equipment, or bridge a slow season, a Cardiff business credit line of credit gives you the flexibility to move quickly. This on-demand access to capital lets you adapt to changing circumstances and take advantage of new opportunities the moment they arise.

Unlike traditional loans that require long approval times and rigid repayment terms, Cardiff’s business line of credit is designed to work with your business. You’ll only pay for what you use, and we structure repayments to be manageable and predictable. That means you can focus on growing your business, not worrying about how to fund your next move.

Apply today to see how much you qualify for-no obligation, no hard credit pull, and no waiting weeks for an answer. Cardiff’s fast, frictionless process helps you unlock working capital on your terms. Cardiff’s business line of credit gives you the financial agility to move forward at your speed.

Frequently Asked Questions

What is a business line of credit?
A business line of credit is a flexible form of financing that lets you access funds as needed, up to a set credit limit. You don’t receive the full amount upfront like with a loan. Instead, you tap into the funds as needed, similar to how a credit card works. Because you only pay interest on the money you borrow, a line of credit is a smart way to fund expenses short-term, bridge gaps in cash flow, or respond to unexpected challenges.
How does a business line of credit differ from a term loan?
With a term loan, you receive the full loan amount upfront and repay it in equal payments over the loan term, typically with a fixed interest rate. A business line of credit, on the other hand, allows you to borrow what you need, when you need it, up to a set limit. Once you repay those funds, they become available again. It is an ongoing financial resource rather than a one-time injection of cash.
Can I get a business line of credit without collateral?
Yes, an unsecured business line of credit doesn’t require you to put up physical assets like property or equipment as collateral. Instead, approval is based on factors like your credit history, business performance, and monthly cash flow. With this structure, you can access funding quickly and with less risk, especially if you don’t have significant assets to pledge.
How fast can I get access to a working capital line of credit with Cardiff?
Cardiff understands that timing matters, especially when you’re facing a cash crunch or opportunity. That’s why we offer fast approvals, often within minutes. Funding can happen as fast as same day after you submit your documentation. Our streamlined application process minimizes delays, so you can stay focused on running your business instead of waiting on financing.
What are the qualification requirements for a line of credit?
To qualify for a business line of credit, you generally need at least 12 months in business, a personal credit score of 550 or higher, and steady monthly revenue. At Cardiff, we assess a variety of financial data points to get a full picture of your business’s health, not just your credit score.
What can I use my business line of credit for?

You can use your line of credit for just about any business-related expense, including purchasing inventory, covering payroll during a slow season, launching a marketing campaign, or repairing essential equipment. Your line of credit gives you the freedom to respond to whatever your business demands. It’s also a helpful buffer for managing seasonal dips in revenue or seizing unexpected growth opportunities.

Is a line of credit renewable?
Yes. As you repay the funds you borrow, they become available for you to use again. This revolving credit creates a reliable, ongoing source of working capital that adjusts to your business’s needs over time. As long as you’re in good standing, you can continue to draw from your line of credit without reapplying.
Can startups or newer businesses get a business line of credit?
A business line of credit is best suited for businesses with at least 12 months of operational history. If your business is newer, we may still be able to connect you with alternative financing solutions that fit your stage of growth. We encourage startups to explore the Cardiff platform and see what options may be available based on their revenue and goals.
What's the difference between a merchant line of credit and a traditional business line of credit?

Merchant lines of credit give businesses with frequent credit card sales, like restaurants or retail shops, a flexible way to borrow. Repayments adjust automatically based on your daily or weekly sales, so you contribute more when revenue is strong and less when it slows.

Traditional business lines of credit follow a fixed repayment schedule. They’re a better fit for companies with steady cash flow or owners who prefer the predictability of set payments.

How do I apply for a business line of credit with Cardiff?
Applying for a business line of credit with Cardiff is fast, simple, and entirely online. You’ll fill out a short application that includes basic business details and recent financial information. Once submitted, we’ll review your data and present customized credit options that align with your needs. There’s no obligation to accept an offer, and we never charge application fees.