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Commercial Line of Credit

Access flexible business funding whenever you need it. A Commercial Line of Credit provides revolving capital that allows you to draw funds as expenses arise, repay what you use, and borrow again—helping your business manage cash flow with greater confidence.
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Flexible Access

Draw funds only when your business needs additional working capital.

Revolving Credit

Repay what you borrow and restore your available credit for future use.

Pay Interest on What You Use

Interest is charged only on the amount you draw, not your total approved limit.

Cash Flow Support

Manage payroll, inventory, seasonal expenses, and unexpected business costs.

Financing built for growing businesses

Equipment Financing

Merchant Cash Advance

Term Loans

PO Financing

Lines of Credit

SBA Loans

Commercial Real Estate

Invoice Factoring

About Commercial Line of Credit

Commercial Line of Credit

A Commercial Line of Credit gives your business ongoing access to revolving capital that can be used whenever funding needs arise.
Unlike a traditional term loan, you only borrow what you need and repay it over time, allowing your available credit to replenish for future use. It’s a flexible financing solution for managing working capital, covering short-term expenses, and maintaining healthy cash flow.
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Commercial Line of Credit Benefits

Flexible financing designed to help businesses manage everyday cash flow.

  • Revolving access to business capital
  • Pay interest only on funds used
  • Preserve working capital
  • Cover short-term operating expenses
  • Reuse available credit after repayment
  • Support ongoing business growth

Qualifying Factors

Business Revenue

Annual business revenue of $100k–$250k helps demonstrate repayment ability.

Time in Business

Minimum 1–2 years in business may be required to qualify.

Credit Profile

A 600+ FICO score strengthens your credit profile.

Business Financials

Recent financial information helps determine available credit.

  • Benefits

Why Choose a Commercial Line of Credit

  • Access funding whenever business needs arise
  • Borrow only what you need
  • Pay interest only on the amount used
  • Maintain healthy working capital
  • Prepare for unexpected expenses
  • Support ongoing business operations

Best For

Businesses with seasonal cash flow, recurring working capital needs, or those looking for flexible access to capital.
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  • Traditional Financing

Challenges with Conventional Business Loans

  • Fixed loan amounts that may exceed your immediate needs
  • Interest charged on the full loan amount
  • Less flexibility once funds have been disbursed
  • Longer approval and funding timelines
  • New financing applications required for additional capital
  • May not adapt well to changing cash flow needs

A More Flexible Solution

A Commercial Line of Credit provides ongoing access to capital, allowing you to borrow, repay, and borrow again as your business needs change.

Different

Why choose Ultris

Capital is a tool. We make sure it fits your hand.

Choice

Multiple financing options

One size fits none. We offer a full arsenal of solutions.

Simple

A straightforward process

No smoke. No mirrors. Just a clear path to capital.

Support

Business-focused support

You talk to a person who understands your industry.

Agile

Flexible capital solutions

Structures that bend so your business doesn’t break.

FAQ

Commercial Line of Credit FAQs

Can’t find what you’re looking for? Reach out and we’ll walk you through it directly.

What is a Commercial Line of Credit?

A Commercial Line of Credit is a revolving financing solution that gives businesses access to a predetermined credit limit. Funds can be drawn as needed, repaid, and reused without applying for a new loan each time.

A term loan provides a lump sum upfront with fixed repayments. A Commercial Line of Credit allows you to borrow only what you need, when you need it, and pay interest only on the amount used.

Businesses commonly use a line of credit for payroll, inventory purchases, seasonal expenses, working capital, equipment repairs, and other short-term operating needs.

It is ideal for businesses with seasonal revenue, ongoing cash flow needs, or companies that want flexible access to capital before unexpected expenses arise.