Line of Credit
How a Business Line of Credit Works
A business line of credit is a flexible financing option that lets you borrow up to a set limit. You’re approved for a credit limit and can access funds as needed. Interest and fees only apply to the amount you use.
Unlike a traditional term loan, a business line of credit is typically used to manage ongoing business expenses or short-term cash flow gaps. With Quick Loan Fund, your available credit renews as you repay what you’ve borrowed, this is known as a revolving line of credit. To support your credit profile, we also report your payment activity to the major business credit bureaus.
Maximize your funds with our working capital solutions
Flexible funding designed to support your daily operations, bridge cash flow gaps, and help your business grow on your terms. Backed by fast approvals, transparent terms, and trusted by American small businesses nationwide.
Only pay for what you use
Draw funds when you need them and pay interest only on what you actually use — no hidden costs or upfront fees.
Fast access, no delays
Enjoy instant withdrawals 24/7 — funds are transferred to you within seconds, even after hours or on weekends.
Boost your credit
We report to commercial credit bureaus, helping you strengthen your business credit with timely payments.
Limits from $10K to $5M
Get the capital you need with credit lines tailored to your business size, scale with up to $5M in available funds.
SPECIALISTS IN GROWTH-FRIENDLY FINANCING
Quick Loan Fund delivers smart capital solutions built to support operational stability and long-term expansion. Whether you’re scaling or smoothing out your cash cycle, our approach is fast, flexible, and business-first.
Dynamic Funding Access
Flexible credit lines that grow with your business needs.
Instant Capital Delivery
Get funds in seconds, anytime, day or night.
Frequently Asked Questions
Quick Loan Fund provides trusted small business Term Loans and Lines of Credit. With one simple application, you can apply for both products — making it easy for us to present all the funding solutions that fit your business needs.
You can secure Term Loans between $10,000 and $500,000 with repayment terms from 3 to 24 months. Our Lines of Credit range from $10,000 to $5,000,000, featuring up to 12-month repayment schedules per draw. As a revolving credit line, your available balance replenishes as you repay.
Applying is fast and hassle-free — it only takes minutes. You can apply online or by calling us at (512) 231-0993. Just provide your basic business and owner details, plus three months of your latest bank statements.
We understand the concern over credit checks. In the U.S., we perform a soft credit inquiry, which has no effect on your personal credit score. If your credit file is restricted, we’ll contact you for permission to proceed with a hard pull.
To be eligible for Quick Loan Fund financing, your business needs to be operating for at least one year and should generate a minimum of $100,000 in annual revenue. The business owner must also have a personal credit score of 625 or higher. While these are the basic qualifications, most of our clients have been in business for over three years, earn at least $300,000 annually, and maintain a FICO score of 650 or more. Quick Loan Fund supports companies in over 700 industries, so it’s highly likely we can serve yours, except for a few restricted sectors.
Applying with Quick Loan Fund is quick and requires minimal paperwork. Before beginning your application, gather a few key details: your business tax identification number (EIN), your Social Security number, estimated annual revenue, your average bank balance, and three months of recent business bank statements. These essentials help us move your application forward efficiently.
Your repayment cost depends on multiple factors. We use our proprietary Quick Loan Fund Score system to assess your eligibility and tailor your rates. This system evaluates your business’s financial health, beyond just your personal credit score, by analyzing various data points to ensure you’re offered a rate that matches your company’s situation.
Instead of large monthly bills, Quick Loan Fund structures repayment in smaller, more frequent installments. These payments, daily or weekly, are designed to be manageable and are based on the size and term of your financing. This approach helps ease the burden of repayment and fits naturally into your cash flow cycle.
When you repay your Quick Loan Fund loan on time, we report that positive activity to the major commercial credit bureaus: Experian, Equifax, and Paynet. As your business credit improves, you could qualify for better offers in the future. Responsible repayment helps strengthen your company’s credit history, setting you up for stronger financing opportunities later on.