01
Revolving access
Draw, repay, and draw again as your limit rebuilds—no reapplying for every need.
Business line of credit
A revolving line of credit for the gaps between money in and money out.
Draw what you need, repay as revenue lands, and keep working capital available for payroll, inventory, and the opportunities you did not plan for.
Up to $5M
Illustrative facility range for qualified businesses
Draw-only interest
Interest applies to the balance you use, not the full limit
$0
Annual fee on the credit line
Same-day view
Draws, balances, and repayments in one workspace
Figures shown are illustrative planning ranges, not offers. Availability, limits, rates, fees, and terms depend on eligibility, underwriting, approval, and final agreements.
Working capital that follows your operating cycle, not a calendar
Most cash-flow problems are not profitability problems. They are timing problems: payroll runs on the 15th, a large customer pays on day 52, and a supplier wants a deposit before the container ships. A revolving line of credit exists for exactly that gap. You draw when the gap opens, you repay when the receivable clears, and you only carry interest on the balance you actually used.
A ShoreCreditCorp line of credit sits inside the same workspace as your payments and cards, so a draw is not a separate errand in a separate portal. You can see your available limit next to your cash balance, move a draw into your operating account, and watch utilization and scheduled repayments update as activity settles.
Because the facility is revolving, the limit rebuilds as you repay. Teams typically use it for inventory buys ahead of a busy season, bridging a slow receivable month, funding a project before a milestone invoice, or simply keeping a buffer available so an unexpected repair does not turn into a delayed payroll.
Built for modern finance
Built for the way operators actually borrow
Revolving access, clear utilization, and repayment behaviour you can plan around.
02
Utilization you can see
Watch balance, available limit, and upcoming repayments beside your cash position.
03
Approval controls
Decide who can request a draw and who signs off before money moves.
How it works
From first question to funded workflow.
A clear sequence so your team always knows what happens next.
- Step 1
Share the basics
Tell us about the business, revenue, and how you plan to use the facility.
- Step 2
Submit documents
Provide recent financials and bank activity so the review has real context.
- Step 3
Review the structure
Discuss limit, pricing, covenants, and repayment before anything is signed.
- Step 4
Draw and manage
Once open, request draws and track repayment from the same workspace.
Why ShoreCreditCorp
Clarity at every decision point.
Modern business finance should give operators a current view, clear controls, and a direct path to the next action.
- Revolving limit that rebuilds as you repay
- Interest on drawn balances only
- No annual fee on the credit line
- Draw requests with named approvers
- Utilization and repayment visible beside cash
Compare at a glance
The details operators ask about first.
Line of credit at a glance
| Detail | How it works |
|---|---|
| Facility type | Revolving—your available limit rebuilds as you repay principal |
| Illustrative range | $25,000 to $5,000,000 depending on business profile and underwriting |
| Interest | Charged on the drawn balance for the days it is outstanding |
| Annual fee | None on the credit line; product configuration may include other fees |
| Personal guarantee | Not required for qualified businesses; requirements confirmed in review |
| Typical use | Payroll timing, inventory, receivable gaps, project funding, buffer capital |
Figures shown are illustrative planning ranges, not offers. Availability, limits, rates, fees, and terms depend on eligibility, underwriting, approval, and final agreements.
Questions & answers
Frequently asked questions
Straight answers to the questions business operators ask us most often.
How is a business line of credit different from a term loan?
A term loan gives you one lump sum with a fixed repayment schedule. A line of credit gives you a limit you can draw against repeatedly. If your need is a single, defined purchase, a term structure often fits. If your need is timing—inventory, payroll, receivable gaps—a revolving line is usually the better tool because you only pay for what you use.
What documents should I have ready before applying?
Have recent business bank statements, your last two years of financial statements or tax returns where available, a current profit and loss and balance sheet, and a short explanation of how you intend to use the funds. Entity documents and ownership details are typically requested as well. Preparing these first is the single biggest factor in a fast, calm review.
Will applying affect my credit?
A formal credit application generally involves a credit review, and the type of inquiry is disclosed to you before you submit. Our calculator and readiness tools are educational only and involve no credit check at all, so you can explore ranges before deciding to apply.
How quickly can a line be available?
Timing depends on how complete your documentation is and the complexity of the structure. Simple, well-documented requests move considerably faster than requests that need follow-up on missing statements or unclear ownership. We tell you what is outstanding rather than leaving you guessing.
Is a personal guarantee required?
For qualified businesses, a personal guarantee is not required. Whether it applies to your request depends on the profile, structure, and outcome of underwriting, and it is confirmed with you in writing before any agreement is signed.
Keep exploring
Related pages for your next decision
A better financial operating system
Put cash and credit to work.
Tell us how your business operates today and where you want it to go next.