What this line of credit offers
Up to $350,000 in revolving credit, terms up to 36 months, with rates starting as low as 12% annually for the strongest files. You draw what you need, repay it, and the available credit opens back up.
- Credit limit: up to $350,000
- Term: up to 36 months
- Rate: as low as 12% annually for qualifying businesses
- Structure: revolving — draw, repay, and the line replenishes
Exact rate and limit depend on the file, not the state. A newer or thinner file may still qualify for a smaller line or a shorter term through a different product.
Do you qualify?
This product is built for established businesses. A strong file usually has 3+ years in business, a 650+ personal credit score, and at least $25,000 in monthly revenue.
- Time in business: 3+ years
- Personal credit score: 650+
- Monthly business revenue: $25,000 or more
- Ownership: at least 50% owned by the applicant
- Business type: LLC or corporation (not a sole proprietorship or nonprofit)
- Location: available in most states
These are general guidelines a strong file usually meets, not a guarantee either way. Businesses that don't check every box can still apply — 50 States Funding will say plainly if this specific product isn't the fit and show what is.
How it compares to a term loan
A line of credit fits recurring or unpredictable needs across your operations. A term loan fits one planned, one-time cost, like a new-location build-out.
- Line of credit (this product): up to $350,000, terms up to 36 months — best for recurring or unpredictable needs
- Term loan: up to $250,000, terms up to 18 months — best for one planned cost with a known price
See the full side-by-side on the funding comparison page.
How to see if you qualify
One short application lets 50 States Funding match your file against this line and its other funding options, with no obligation to accept any offer.
50 States Funding reviews your application and connects you with funders whose programs fit your file — this line of credit is one of the stronger options for businesses that qualify, but never the only one. The same review applies no matter which state your business calls home.
What you’ll typically need
- Recent business bank statements
- Basic business and ownership details
- A short description of what the funds are for
Frequently asked questions
Is this a direct loan from 50 States Funding?
50 States Funding helps businesses get funded. This line of credit is offered by the funder that approves your file.
What if my business doesn't qualify for this specific line?
50 States Funding reviews your file against several products. If this line isn't the right fit, you'll be shown other options that better match your business.
Does checking my options affect my credit?
Practices vary by product and partner. Ask about the credit check method for any offer before you accept it.
How is the rate on my offer decided?
Rate and limit are set by the funder based on your file: time in business, revenue, deposits, and credit. "As low as 12%" describes the strongest files, not every approval.
What states is this available in?
This line of credit is available to businesses in most states. A small number of states aren't currently eligible — apply to see if your business qualifies.
See your real number
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · 50 States Funding Funding Team