Draw what you need, when you need it. Pay interest only on what you use. The most flexible capital tool for growing businesses.
A business line of credit gives you a credit ceiling you can draw from at any time — without reapplying. You only pay interest on what you actually draw. Pay it back, and the credit revolves. It's the closest thing to a business emergency fund — and a powerful strategic tool when opportunities arise that require fast, flexible capital. Finance Foundry places both secured and unsecured credit lines through banks, credit unions, and fintech lenders.
Is a line of credit better than a term loan?
It depends on the use. A term loan is better for one-time large investments. A line of credit is better for recurring, variable capital needs — where you don't know exactly how much you'll need or when.
Does unused credit cost me anything?
Some lenders charge a maintenance or unused line fee (typically 0.25–0.5% annually). We surface these fees upfront so you can compare total cost.
Can I increase my line over time?
Yes. Many lenders offer credit line increases after 6–12 months of responsible use. We advise on timing and strategy for this.
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