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+1 (800) 478-4150


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THAT YOU DIDN'T KNOW YOU COULD QUALIFY FOR

We help businesses access real bank lines of credit.

- No credit check to apply
- No application fee
- No expensive rates (most lines are under 7% annual cost)
- Monthly payments (not daily or weekly)

FIND THE BEST OPTIONS


Excellent


December 1, 2021
i almost gave up
i almost gave up after getting denied again and again, major help. stellar
B.
November 22, 2021
Really happy with this
Really happy with this company. Nick was really straightforward and easy to work
with. thanks
James E.
See more

Join the hundreds of small businesses that activated an accumulative $60 million
in affordable bank financing.

Apply online once:
Get access to the best Line of Credit banks have to offer.
We showcase the best qualities of your small business and pair you with the
correct bank that best fits your needs.
Access to over 60 banks & lenders to get approved for a Revolving Business Line
of Credit.
 * Easily apply online with our application
 * Save time by only applying once to access multiple offers
   
 * No heaps of paperwork, we assist our clients from start to finish

See Requirements in Your State
The lines of credit vary from state to state. See the requirements before you
apply.

Check your State
Straightforward time saving application
Save tons of time, only fill out one application. It takes about 10 minutes.
Get Started
Any questions? Drop Us a Line
Sometimes small business owners like to learn more about the available programs
before applying.
Schedule a Call
See an overview of our programs

Find out how a line of credit can specifically help your business. Rates, terms
and requirements.

See Overview
Real Banks. Real Lines of Credit.

Line of Credit Depot has the largest supply of banking partners to provide the
best line of credit programs to American small businesses.
 * Much less red tape than traditional process
 * Very little paperwork
 * Speedy process. Takes weeks, not months.

Did you know that each state has different requirements for a Line of Credit?
Find out what the requirements are in your specific state
SEE REQUIREMENTS
Thu, March 10, 2022, 8:32 AM · 2 min read


AS INFLATION HITS MAIN STREET, FINTECH GROUP SEES SURGE IN LOAN REQUESTS

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Read pRESS RELEASE
Mon, January 10, 2022, 1:00 PM · 2 min read


NEW STUDY BY LINE OF CREDIT DEPOT REVEALS THE NUMBER 1 REASON SMALL BUSINESSES
ARE APPLYING FOR DEBT FINANCING

As seen on:

Read pRESS RELEASE
Thu, December 16, 2021, 8:32 AM · 2 min read


AS SBA DEADLINE LOOMS, MANY BUSINESSES ARE STILL WAITING FOR COVID FUNDS

As seen on:

Read pRESS RELEASE
Fri, November 19, 2021, 8:34 AM · 2 min read


NEW FINTECH PLATFORM INCREASES APPROVALS FOR BUSINESS LINES OF CREDIT

As seen on:

Read pRESS RELEASE


RESOURCES

March 7, 2022
Why a Line of Credit is Better than a Credit Card
Learn More.
February 1, 2022
Using a Line of Credit to Refinance Expensive Business Debt
Learn More.
February 1, 2022
Why Only Certain Banks Specialize in Lines of Credit
Learn More.
January 27, 2022
Most Businesses Qualify for a Line of Credit...and Don't Even Know it!
Learn More.
January 20, 2022
How Long Does It Take To Get a Business Line of Credit?
Learn More.
January 20, 2022
Hedging Your Bets for a Line of Credit
Learn More.
January 3, 2022
When To Apply For a Business Line of Credit
Learn More.
January 3, 2022
Will Your Business 'Make' More Money in 2022?
Learn More.
December 7, 2021
The Truth About What Financing Your Business Can Qualify For
Learn More.
December 6, 2021
Why Work with Line of Credit Depot and Not Your Banker
Learn More.
December 6, 2021
I Hate Merchant Cash Advances (MCA)…And Why You Should Too
Learn More.
December 6, 2021
What are the best rates for Business Financing?
Learn More.
November 16, 2021
The Right Access to Capital Can Make or Break a Business
Learn More.
October 15, 2021
A Guide to Line of Credit
Learn More.
We match businesses with
Bank Lines of Credit
Getting a bank line of credit can be a lengthy and drawn out process. Line of
Credit Depot has taken the guesswork out of applying for a business line of
credit. Here is how:

We make the application process much easier and much more effective.

We have centralized and simplified all the needed information to apply for bank
lines of credit nationwide. Save time and headache by only having to apply once.

Our system presents eligible banks

Our system uses the data points you entered to find which banks fit your
industry, size, and location. This allows our team to more accurately focus on
banks that will more likely issue an offer. Not only are you able to receive
bank financing faster, but are also able to choose from an array of offers.

We take care of the legwork

Our pre-established relationships with these banks allows us to swiftly push
your file through a usually lengthy process.

FAQ
What’s the Process Look like?
What’s the Process look like?

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

Why Can’t I just walk into the bank and apply?
What’s the Process look like?

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

You sure can, but why? There are over 4,377 commercial banks in the United
States with tens of thousands of branches and not all offer lines of credit.
Even those banks that do, may not be able to approve your unique business. For
example, some banks have minimum credit or revenue requirements. Line of Credit
Depot holds the key for Unsecured Business Lines of Credit. With one
application, you can access hundreds of banks that want to issue your business a
line of credit.


Who is Line of Credit Depot?
What’s the Process look like?

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

Line of Credit Depot’s streamlined platform was developed because of specific
feedback from business owners all across the United States, just like you.
Business owners are constantly looking for ways to fund their business, besides
expensive merchant cash advances (MCA’s). Lines of Credit are the perfect option
to sustain financial needs of a small business and that’s all we offer! Over the
past decade we have compiled and vetted hundreds of banks that actually issue
lines of credit for their customers. Line of Credit Depot is the largest
national platform to link small businesses with real lines of credit.Iron
Capital Equities is the parent company of Line of Credit Depot.



How long does it take to get approved?
What’s the Process look like?

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

The pre-approval process takes a couple of hours and you can expect guaranteed
offers within a day or two.


What does my credit score have to be?
What’s the Process look like?

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

A personal credit score above 680 FICO will garner the best approvals. We advise
clients who have a lower credit score to apply, as we have other line of credit
options available. Also, we offer credit restoration services to increase your
credit score.


How do I know if my business will Qualify?
What’s the Process look like?

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

Since there is no risk to apply, the best way to see if your business would
qualify for a line of credit is by applying here.


What are the rates?
What’s the Process look like?

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

Although rates vary from bank to bank, our clients generally see rates between
4% and 8% annually on their business lines of credit.


Is there an upfront application fee?

What’s the Process look like?

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

There is no upfront fee. In fact, the only fee would be an activation fee if you
decide to move forward with an offer, charged upon facility activation.


Do I have to pay off existing loans/lines in order to get a line of credit?

What’s the Process look like?

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

No. Although line of credit proceeds can be used to pay off more expensive debt,
our banks do not require you to pay off existing business debts.


What industries will qualify for a line of credit?

What’s the Process look like?

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

Almost all industries will qualify for a business line of credit. We do not work
with vice industries such as; gambling, adult, etc.


How much money can I get approved for?


What’s the Process look like?

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

The offers that are generated for applicants are the maximum banks will approve
your business. Individual lines are capped at $500,000. One thing to remember is
that your business can activate multiple lines simultaneously from different
banks.


Does Line of Credit Depot offer anything else besides Lines of Credit?

What’s the Process look like?

After you apply with Line of Credit Depot, we start working to find a partner
bank that will be interested in extending a credit line for your business. There
are many different data points our platform uses to understand which banks will
garner the best approval. For example, if a construction company is being
pre-underwritten in our portal, our technology knows which banks in that state
work with construction companies that make over $1 million and less than $5
million per year, with a time in business of 3 years. This pre-underwriting
tells us which of our partner banks are most likely to approve the business for
a line of credit. So, instead of applying blindly to tons of banks in your area,
we take care of this for you.

Since we only focus on business lines of credit, we do not offer any other
programs. Our parent company, Iron Capital Equities does in fact offer many
other small business financing options.





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Painting Company
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Virginia
Delaware
South Carolina
North Carolina
Massachusetts
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+1 (800) 478-4150
info@lineofcreditdepot.com
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