Get flexible, revolving access to capital. Draw funds when you need them and only pay interest on what you use.
Apply Now →Borrow, repay, and borrow again. Your credit line replenishes as you pay it down.
Interest is charged only on the amount you draw, not on your total credit limit.
Responsible use of a business line of credit helps build your business credit profile over time.
Submit your basic information through our secure application
We match you with the right lending partner for a line of credit
Review your credit line options and choose the best fit
Access your line of credit and draw funds as needed
A business line of credit gives you the financial flexibility to handle whatever comes your way.
Apply Now →A business line of credit lets you draw funds as needed up to a limit, repay, and draw again. CruzFi connects you with partners that offer revolving credit lines.
A term loan delivers a lump sum repaid on a fixed schedule. A line of credit is revolving: you borrow only what you need, pay interest on the amount drawn, and can reuse the credit as you repay it. Lines suit recurring or unpredictable cash needs; term loans suit one-time purchases.
No. CruzFi is a capital access platform and referral service, not a lender, bank, or credit union. CruzFi reviews your request and connects you with independent funding partners. Each partner sets its own requirements, rates, fees, and terms, and approval is never guaranteed.
When cash flow is uneven, when you need a buffer for payroll or supplier payments, or when you want funds available before a specific need arises. If you need a single large amount for a defined purchase, a term loan or equipment financing may fit better.
To start, CruzFi asks for your funding goal, the amount you are considering, time in business, approximate monthly revenue, industry, location, and contact details. No documents, Social Security number, or bank login are needed to submit a request. A funding partner will tell you what it requires before you apply with them.
Submitting a request does not guarantee approval or funding.