A/R Line of Credit
A revolving line backed by receivables.
A revolving credit line secured by your accounts receivable — you keep collecting from your customers, and your borrowing room rises as your receivables grow.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Why A/R Line
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
B2B companies with a steady receivables book — distributors, manufacturers, telecom and technology providers, and service firms billing on terms.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Typical facilities | Up to about $15 million |
|---|---|
| Revenue | Roughly $75,000+ a month |
| Time in business | 6+ months |
| Collateral | Eligible receivables (inventory, equipment, or real estate can add room) |
| Paperwork | A/R aging, financial statements, customer concentration |
| How fast | Usually two to four weeks to set up. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for a/r line of credit — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04Accounts receivable aging reportar
- 05Sample invoicesar
- 06Customer list / concentrationar
- 07Articles of organization & EINentity
Industries we often advise on for A/R Line of Credit
Where a/r line of credit is one of the best-fit options for how the business earns.
Compare related options
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More on A/R Line of Credit
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