A Business Line of Credit That Flexes With Your Cash Flow
Draw funds when you need them, pay interest only on what you use, and free up cash flow for payroll, inventory, or slow-season gaps.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
The basics
What is business line of credit?
A business line of credit works like a safety net for cash flow, not a lump-sum loan. TrustFi sets a credit limit for your business, and you draw against it whenever a need comes up: covering payroll during a slow week, buying inventory ahead of a rush, or bridging the gap between sending an invoice and getting paid. You only pay interest on the amount you've drawn, not the full limit, and as you repay, that credit becomes available again.
This structure suits short-term, recurring, or unpredictable needs better than a term loan does, because you're not locked into a fixed payment on money you haven't used yet. Many businesses keep a line of credit open as backup even when they're not actively drawing on it, simply to have it ready for a seasonal dip or an unexpected repair. Applying does not impact your credit score, so you can set up a line before you need it rather than scrambling once you do.
Best suited for
- Covering payroll during a temporary dip in incoming revenue
- Buying inventory ahead of a busy season before cash arrives
- Bridging the gap between sending invoices and getting paid
- Handling an unexpected repair without disrupting daily operations
- Keeping a funding cushion ready for slow months
Step by step
How it works
- 1
Apply and set your credit limit
Complete TrustFi's application in under 10 minutes to establish a credit line sized to your business. Applying does not affect your credit score, so there's no downside to getting a limit in place before you need it.
- 2
Get approved and access your line
A funding specialist reaches out within TrustFi's 2-hour response guarantee to confirm your limit and walk you through how draws, repayments, and available credit work before you access any funds.
- 3
Draw funds as needs come up
Pull only what you need, when you need it, whether that's covering a payroll gap or a surprise expense. You pay interest solely on the amount drawn.
- 4
Repay and reuse the line
As you repay what you've drawn, that credit becomes available again, so the line stays ready for the next unpredictable expense without reapplying or waiting on a new approval.
An honest look
The upsides, the tradeoffs, and what you'll need
Every funding product has a shape that fits some businesses better than others. Here's the straight version.
Advantages
- Interest applies only to the amount you draw
- Credit renews automatically as you repay
- Ready for unpredictable expenses without reapplying each time
- Funding as fast as 24 hours after approval
- No hidden fees on the credit line itself
Tradeoffs
- Credit limits are usually lower than a term loan
- Rates can run variable rather than fixed
- Easy access can tempt overuse without a repayment plan
Typical requirements
- Typically at least 6 months in business
- Typically consistent monthly revenue
- Typically a business bank account with regular deposits
- Typically recent bank statements to verify cash flow
- Typically no major outstanding delinquencies
Not sure yet?
When another option might fit better
We would rather point you to the right structure than sell you the wrong one.
Who uses this
Industries that lean on business line of credit
Retail Stores
Funding for retailers managing seasonal inventory buys, storefront upgrades, and e-commerce growth.
Funding for retail storesRestaurants
Funding for restaurants managing perishable inventory, equipment breakdowns, and seasonal slowdowns.
Funding for restaurantsTrucking & Transportation
Funding for trucking companies managing broker payment lags, fuel costs, and fleet repairs.
Funding for trucking & transportationGyms & Fitness Centers
Loans and credit lines for gyms and fitness centers to fund equipment, buildout, and membership cycles.
Funding for gyms & fitness centers
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
How is a line of credit different from a business loan?
A term loan gives you a lump sum upfront that you repay on a fixed schedule. A line of credit gives you a revolving limit you draw from as needed, paying interest only on what you use. It's built for ongoing or unpredictable expenses rather than a single large purchase.
Do I pay interest on the full credit limit?
No. You pay interest only on the portion of your line you've actually drawn, not the total limit. If you have a $50,000 line and draw $10,000, interest applies to that $10,000 until you repay it. The unused portion sits available at no cost.
How fast can I access funds?
TrustFi can fund an approved line of credit in as little as 24 hours, and a funding specialist reaches out within our 2-hour response guarantee once you apply. Once your line is set up, draws after that are typically much faster since underwriting is already complete.
Will applying affect my credit score?
No. Applying for a business line of credit through TrustFi does not impact your credit score. You can see your available limit and terms before deciding whether to draw on it, with no hidden fees and no obligation to use the full amount.
Can I use a line of credit if I'm not sure I'll need it?
Yes, and many businesses do exactly that. Setting up a line of credit before a cash-flow gap appears means it's ready the moment you need it, whether that's a slow month or an unexpected repair. You only pay for what you actually draw.
What happens after I repay what I've drawn?
Your available credit resets. A line of credit is revolving, so repaying a draw frees that amount back up to use again, without reapplying. That's the core difference from a term loan, which is paid off once and then closed for good.
Ready to explore business line of credit?
Apply in under 10 minutes and a specialist will walk you through your real options — no obligation, no credit impact.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees