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Business line of credit

A line of credit that moves at the speed of your business.

Draw what you need, when you need it. Pay only for what you use — and see the full cost of every draw before you confirm.

Apply nowSee what it costs

Takes about 10 minutes · Decision within one business day · Business-purpose financing only

Owner of a specialty coffee roastery standing beside the espresso machine in her cafe in morning light
A $25,000 draw todaySep 17
You receive
$24,500.00
Weekly payment
$1,201.92
$31,250.00 total payback27.0¢ per $197.9% est. APR
Up to $250,000
Revolving credit limit
Same-day
Funding on approved draws
Draw again
As you repay principal
No hidden fees
Every cost shown up front
Your dashboard

Every number, in plain sight.

Available credit, the next payment, every draw and its full schedule — with the finance charge, cost per dollar and estimated APR on the same screen.

Merchant dashboard showing available credit, next payment and active draws
The merchant overview: available credit first, then what is due next.
Draw request screen showing what you receive, the payment amount, total payback and estimated APR
Requesting a draw: the exact figures we will book, before you confirm.

Screens shown with sample data.

Why Refresh

Built for the way cash flow actually works.

A credit line you set up once and use whenever the business needs it — with pricing you can understand in ten seconds.

Draw when you need it

Request a draw from your dashboard in a minute. Smaller draws are approved automatically; funds go straight to your business bank account.

Transparent pricing

Every draw shows total payback, cost per dollar and estimated APR before you confirm. No surprises later.

Pay early and save

Pay a draw off within 30 days and we take 25% off the remaining cost.

Revolving by design

As you repay principal, it becomes available to draw again. One application, ongoing access.

Automatic business-day payments

Fixed payments are debited from your account on business days, never on weekends or bank holidays. You always know what is due and when.

Everything in one place

Draws, schedules, payments, documents and statements — all in a single dashboard, with notifications when something needs you.

Pricing

See exactly what a draw costs.

Our standard terms today: 1.25× factor rate over 26 weekly payments, with a 2.00% origination fee. Final pricing is set at approval and shown before you sign.

$1,000 – $250,000 available
You receive
$24,500.00
after $500.00 fee
Weekly payment
$1,201.92
26 payments
Total payback
$31,250.00
$6,250.00 cost of capital
Estimated APR
97.9%
27.0¢ per $1
First payment Thu, Sep 24 · last payment Mar 18, 2027 · 182 days

Draw $25,000.00; we send $24,500.00 to your bank after withholding a $500.00 origination fee. You repay $31,250.00 in 26 weekly payments of $1,201.92 (final payment $1,202.00), automatically debited from your bank account on business days.

Pay off within 30 days and we take 25% off the remaining cost. As principal is repaid, it becomes available to draw again.

Estimates assume funding on Sep 17, 2026 and all payments made on schedule. Open the full calculator

Who we serve

Built for the businesses that keep neighborhoods running.

If your revenue lands in a business bank account, we can work with it — across trades, retail, food service, health and personal care.

  • Coffee roaster inspecting freshly roasted beans in an artisan roasteryCoffee & roasteries
  • Owner of an independent auto repair shop standing in an open garage bayAuto repair
  • Dentist standing in a bright modern dental practiceMedical & dental
  • Owner of a modern nail and beauty salon beside a row of stationsSalons & spas
  • Owner of a boutique fitness studio standing in the training room in the early morningFitness studios
  • Owner of a landscaping company standing beside his work truck at sunriseHome & trade services
How it works

From application to funds in four steps.

  1. 01

    Apply in about 10 minutes

    Tell us about your business, its owners and your bank account. Your progress saves as you go.

  2. 02

    Decision within a business day

    An underwriter reviews your application and recent bank statements and sets your limit and pricing.

  3. 03

    Sign online

    Review your agreement and cost disclosure, then sign electronically. No paperwork, no branch visit.

  4. 04

    Draw funds

    Request a draw from your dashboard. Funds are sent to your business bank account, often the same day.

Read the full walkthrough →
Shop owner working on a laptop at the counter after closing, lit by a warm pendant lamp
Restaurant owner reviewing paperwork at a table in her closed dining room in the morning
Who qualifies

Straightforward requirements.

We look at how your business actually operates — revenue, deposits and bank balance — not just a credit score.

  • At least 6 months in business
    Established businesses with a track record of deposits.
  • $10,000+ in monthly revenue
    Shown on your recent business bank statements.
  • A business bank account
    Where we send funds and collect payments.
  • A US-based business and an owner who can sign
    Any entity type — sole proprietors welcome.
FAQ

Questions, answered plainly.

Is this a loan?
It's a revolving business line of credit: you're approved for a limit, draw against it as needed, and each draw is repaid on its own fixed schedule. It is business-purpose financing only, not a consumer loan.
How is the cost calculated?
Each draw is priced with a factor rate. Draw $10,000 at 1.25× and you repay $12,500 in 26 equal weekly payments. The calculator above shows the finance charge, cost per dollar and estimated APR for any amount.
Can I pay a draw off early?
Yes. Pay a draw in full within 30 days of funding and 25% of the remaining cost is discounted. After that, you can still pay off at any time with no penalty.
How do payments work?
Payments are debited automatically from your business bank account on business days at the frequency shown in your agreement (weekly by default). Due dates that land on a weekend or bank holiday move to the next business day. Late and returned payments carry the fees shown in your disclosure.
What happens after I repay?
Repaid principal becomes available to draw again for as long as your line is open, so you don't need to reapply for each draw.
What do I need to apply?
Basic business details (including your EIN), information about owners holding a majority of the business, your business bank account, and your last three months of business bank statements.
Does applying affect my credit?
With your authorization we obtain business and personal credit reports as part of underwriting, and we tell you exactly when you're giving that authorization in the application.
Independent storefront glowing warmly at blue hour

Ready when you are.

Start the application now and pick it up later — everything saves automatically.

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