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Funding Solutions

Lines of Credit

Get flexible, revolving access to capital. Draw funds when you need them and only pay interest on what you use.

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Revolving Access

Borrow, repay, and borrow again. Your credit line replenishes as you pay it down.

Pay Only What You Use

Interest is charged only on the amount you draw, not on your total credit limit.

Build Business Credit

Responsible use of a business line of credit helps build your business credit profile over time.

Ideal For

  • ✓Managing cash flow gaps
  • ✓Seasonal inventory purchases
  • ✓Covering payroll during slow periods
  • ✓Taking advantage of bulk discounts
  • ✓Emergency business expenses
  • ✓Short-term project funding

How It Works

1

Submit your basic information through our secure application

2

We match you with the right lending partner for a line of credit

3

Review your credit line options and choose the best fit

4

Access your line of credit and draw funds as needed

Get Flexible Funding Today

A business line of credit gives you the financial flexibility to handle whatever comes your way.

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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.

Common questions about lines of credit

What is the difference between a line of credit and a term loan?

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.

Is CruzFi the lender?

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 does a line of credit make sense?

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.

What do I need to get started?

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.