A business line of credit gives you on-demand access to capital, allowing you to draw funds only when needed and repay them as cash flow allows. Once repaid, the credit becomes available again, making it an ideal tool for ongoing working capital management, smoothing payroll cycles, inventory purchases, or unexpected expenses.
Compared to rigid term loans, lines of credit offer greater flexibility and control. They’re best suited for businesses that want a financial safety net without committing to a full loan upfront. Typically, only well-established businesses with experienced operators and strong credit profiles qualify for the most favorable terms. Many alternative lenders may present higher-cost products, such as Merchant Cash Advances, as lines of credit—an approach that can ultimately be counterproductive. To avoid these pitfalls and understand exactly what you qualify for, speak with a professional at Cetus Funding today.
