Flexible working capital for established businesses

Business line of credit up to $350,000—ready when you need it.

Q: How does this revolving business line of credit work?

If approved, the business can request draws up to the available limit. As principal is repaid, that amount generally becomes available again, subject to the agreement and continued eligibility.

Q: What are the repayment terms and payment frequency?

Each qualifying draw may carry a 12 to 36 month term. Weekly or monthly payment schedules may be available depending on the approved offer.

Draw working capital for inventory, payroll timing, receivable gaps or growth opportunities. Use only what your business needs, then replenish available credit as principal is repaid.

Check Preliminary Eligibility Start Full Application

Initial eligibility request only—no documents required at this step.

Revolving accessPrincipal repayments generally restore availability

No early-payoff penaltyRepay qualifying draws ahead of schedule

3+ years in businessMinimum time-in-business benchmark

$15K+ monthly revenuePlus an estimated personal FICO of 650+

Start with the essentials

Check preliminary eligibility in about two minutes

Eight quick questions help GoKapital identify whether this program—or another financing path—may fit your business.

Instant next step

Your Name(Required)

Email(Required)

Business Name(Required)

Phone Number(Required)

Estimated Credit Score(Required)

Time in Business(Required)

Average Monthly Business Revenue(Required)

Requested Financing Amount(Required)

Built for changing cash-flow needs

Flexible capital without taking a one-time lump sum

Keep an available source of working capital for recurring needs, short-term gaps and time-sensitive opportunities.

Revolving by design

Draw, repay and access available credit again

A revolving business line of credit gives an established company ongoing access to working capital without requiring the full approved limit upfront. Make qualifying draws for inventory, payroll, receivable gaps, operating expenses or growth opportunities when timing matters.

As principal is repaid, that amount generally becomes available to draw again under the terms of the agreement and continued eligibility. This reusable structure can help manage multiple cash-flow cycles without submitting a separate business loan request for every new expense.

DrawUse available funds

RepayReduce principal

Access againReplenish availability

Subject to your agreement and continued eligibility.

Use only what you need

Request qualifying draws instead of taking the entire approved limit at once.

Repay early

Pay off a draw before its scheduled term without an early repayment penalty.

Longer draw terms

Each qualifying draw may be amortized over a potential 12–36 month term.

Payment flexibility

Weekly or monthly payment schedules may be available with an approved offer.

A clearer path forward

From quick eligibility check to a verified offer

Start small, add documents only when needed, and review actual terms before making a decision.

1

Share the basics

Provide contact information, revenue, credit range, time in business, location and current financing.

2

Complete verification

If the program appears suitable, continue to the secure application and provide three months of bank statements or connect your bank.

3

Review your offer

Qualified businesses can review the available limit, draw costs, payment schedule, conditions and closing requirements.

Complete files may receive a same-day decision and funding as soon as the next business day, but timing is not guaranteed.

Know before you apply

Basic business line of credit requirements

These benchmarks identify a potential program fit. Meeting them does not guarantee approval. Review GoKapital’s business financing qualification criteria for additional context.

Core qualifications

Time in business3+ years

Personal creditEstimated FICO 650+

Average revenue$15,000+ monthly

Average bank balance$5,000+

Deposit activity8+ deposits monthly

Ownership50%+ cumulative

Program structure

The important numbers at a glance

Final limits, pricing, payment frequency and conditions depend on underwriting and the offer presented.

Potential credit line$10,000–$350,000The approved limit depends on verified business and credit information.

Term for each draw12–36 monthsEach new qualifying draw is re-amortized over its approved term.

Minimum draw$10,000Request capital as needed up to the available amount.

Potential draw fee1.99%–2.99%No origination or maintenance fee; final costs are disclosed in the offer.

Interest generally accrues daily on the outstanding balance. Qualifying offers may include simple interest beginning below 1% per month. Review the complete cost and payment schedule before accepting.

Working capital in action

Use available credit when timing matters

A revolving line can support recurring operational needs and opportunities with a defined repayment plan.

Inventory

Stock up for demand, capture supplier pricing or prepare for a seasonal cycle.

Receivable gaps

Bridge timing differences between completed work and customer payments.

Payroll timing

Maintain operations while receivables, contracts or deposits are pending.

Growth

Support marketing, a new service, equipment deposits or a timely expansion.

Unexpected costs

Address urgent repairs, replacements or other short-term operating expenses.

Industry fit

Designed for established operating businesses

Industry eligibility is reviewed together with cash flow, credit, bank activity and the proposed use of funds.

Strong program fit

Preferred industries

Healthcare practices

Pharmacies

Veterinarians

Retail and grocery

Manufacturing

Wholesale trade

Landscaping

Law firms

Restaurants and breweries

Construction—7+ years

Preferred status does not guarantee approval. Other eligible industries may also qualify.

Review before applying

Commonly restricted industries

Farming and mining

Cannabis

Real estate

Used vehicle sales

Gun stores

Travel agencies

Banking and investments

Transportation

New-home construction

Residential remodeling

This is not the complete restricted list. GoKapital will confirm industry eligibility during review.

Questions before you start

Business line of credit FAQ

How does this revolving business line of credit work?

If approved, your business can request draws up to the available limit. As principal is repaid, that amount generally becomes available again, subject to the agreement and continued eligibility.

How much could my business access?

The potential credit range is $10,000 to $350,000. The approved limit depends on verified revenue, cash flow, credit, bank activity, industry and existing obligations.

What are the repayment terms and payment frequency?

Each qualifying draw may carry a 12–36 month term. Weekly or monthly payment schedules may be available depending on the approved offer.

What does it cost?

The program has no origination or maintenance fee. Draw fees generally range from 1.99% to 2.99%, and interest accrues on the outstanding balance. Final costs are disclosed before acceptance.

Can I repay a draw early?

Yes. The program does not impose an early repayment penalty. Your agreement and payment schedule will control the exact payoff process.

Can my business take additional financing after funding?

This program does not permit stacking additional financing after funding. Existing financing may be considered subject to risk, cash flow and serviceability, and a payoff may be required.

Is the preliminary eligibility result an approval?

No. It is an initial program match only. Approval, pricing, terms and the credit limit require a complete application, verification and underwriting.

Find the right next step

See whether revolving working capital fits your business

Start with eight quick questions. If this program is not the best match, GoKapital may route your request for advisor review or another potential financing path. You can also compare other GoKapital business loan solutions.

Check Preliminary Eligibility Start Full Application

All financing is subject to application, verification, underwriting, approval and execution of final agreements. Program availability, credit limits, costs, terms, payment schedules and funding speed may vary. GoKapital may broker or arrange financing through third-party funding sources.