A business line of credit is revolving working capital, not a one-time lump sum. Draw only what you need, pay only on what you use, and your available credit refills as you repay.
Pay only on what you draw
You are charged on the funds you use, not the full line. Your advisor shows you the cost of every draw up front.
Credit scores from 550
Decisions are based on your revenue and cash flow, not a perfect score.
A real person, not a portal
An advisor walks you through your application by phone.
Reuse it without reapplying
One approval, ongoing access. The line stays open as long as you keep to the agreement.
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Takes about a minute. No obligation.
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Secure formNo obligationReviewed by a real advisor
$250M+
in funding secured
24 hrs
fastest funding time
20+ yrs
combined funding experience
Do you qualify?
Straightforward criteria. Here’s what we look for.
Time in business
6+ months
Established businesses with a track record of revenue.
Monthly revenue
$10K+
Consistent monthly revenue across your accounts.
Bank account
Business checking
An active business checking account in the business name.
Credit score
550+
Your revenue matters more than your score.
Not sure you qualify? Most owners we talk to are closer than they think.
Funding options run from under $25K to $500K and up.
Check my funding options
Built for businesses with uneven cash flow and no time to wait.
These are the businesses we fund most.
Retail & e‑commerce
Boutiques, online sellers, and specialty stores.
Construction & specialty trades
General contractors, electrical, HVAC, plumbing, roofing.
Professional & business services
Agencies, consultants, accountants, and staffing firms.
Hospitality & food service
Restaurants, caterers, and bars.
What is a business line of credit?
A business line of credit is a standing pool of working capital you can draw from whenever you need it. Unlike a term loan, which hands you one lump sum and charges you on the full amount, a line of credit lets you take only what the moment calls for, and you pay only on what you have drawn.
As you repay, your available credit refills. Draw $40K for inventory in March, repay it by June, and the full line is there again for the next opportunity. There is no need to reapply every time a cash need appears.
Before you draw, your advisor shows you exactly what that draw costs. You see the pricing up front, every time.
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How it works
1Request in about a minute. Share the basics in the short form. No documents needed to start.
2Review with your advisor. A real person takes your application by phone in about 15 minutes and sizes a line to your revenue.
3Get your line approved. Review your offer, sign, and your line can be ready to draw in as little as 24 hours after a completed application.
4Draw, repay, repeat. Pull funds when you need them, repay on your schedule, and the line is ready for the next need. No new application.
Why business owners choose a line of credit from Denali.
Built by entrepreneurs, for entrepreneurs.
Capital on standby
Cash needs do not schedule themselves. Your line is there when they arrive.
Pay only on what you use
You are charged on drawn funds, not the full line. Draw what the moment calls for.
Dedicated support
Experienced financial advisors guide you through every step, from first draw to renewal.
Replenishing access
Repay and the credit comes back. One approval covers the whole year.
Credit-score considerate
Decisions are based primarily on the health of your business, and we work with scores from 550.
Use it your way
Inventory, payroll, repairs, marketing, or a slow month. If it is a business expense, the line covers it.
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What our clients say.
Real feedback from business owners funded through Denali Advance.
Business line of credit FAQs.
How is a line of credit different from a term loan?
A term loan gives you one lump sum with a fixed repayment schedule, and you are charged on the full amount from day one. A line of credit gives you ongoing access to a set amount. You draw what you need, pay only on what you have drawn, and your available credit refills as you repay.
How much does a draw cost?
You are charged only on the funds you have drawn, for the time they are outstanding. Your advisor shows you the pricing on every draw before you take it, so you always know the cost up front.
Will applying affect my credit?
Sending the short form does not run a credit check. Your advisor explains when and how credit is reviewed before anything is pulled.
What do I need to apply?
Just the short form to start. Your advisor will tell you exactly which recent business bank statements and details to send after your call.
Do I need collateral?
Many lines are approved without specific collateral. Your advisor explains any standard lien or guarantee terms before you sign. Eligibility is based primarily on the revenue and cash flow of your business.
What credit score do I need?
We work with credit scores from 550. Decisions are based primarily on the health of your business, and steady revenue matters more than a perfect score.
What can I use the funds for?
Any legitimate business expense. Inventory, payroll, repairs, marketing, or covering a slow month. You decide, draw by draw.
Still have questions?
Call and a real person walks you through it. The phone application takes about 15 minutes, and your advisor answers anything the page did not.
or email info@denaliadvance.com
Tell us about your business.
Share the basics. A funding advisor takes it from there.
- Your name, business name and best phone number
- How much funding you need and what it is for
- How long you have been in business
- Your average monthly revenue
