Business Line of Credit
Draw what you need, when you need it.
A revolving line of credit: you get a limit, draw against it when timing is tight, and the room comes back as you repay. Some lines offer interest-only periods so the early payments stay small.
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.
Working capital up to $150,000
A short path for the requests that can move quickly. Less paperwork up front, and we stay with you from application to funding.
Working capital up to $150,000
A short application and three months of business bank statements to start. For qualified businesses, decisions often come within days.
- Short application
- Photo ID
- 3 months of business bank statements
- A voided business check
We're commercial lending advisors, not a lender. Timing and terms depend on the lender and your file; nothing here is a commitment to lend.
Why Line of Credit
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Owners whose cash needs come and go — a restaurant heading into its slow season, a contractor waiting on a draw, a shop buying ahead of the holidays. Younger businesses start with cash-flow lines; established businesses with strong credit can qualify for bank-partner lines.
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 line sizes | $5,000 to about $1 million (cash-flow lines); about $50,000–$100,000 (bank-partner lines) |
|---|---|
| Credit | Mid-500s and up on cash-flow lines; about 680+ on bank-partner lines |
| Time in business | From 1 month (consumer-facing) to 3+ years (bank-partner lines) |
| Revenue | Roughly $17,000+ a month; bank-partner lines look for $250,000+ a year |
| Draws | Many lines have a minimum first draw; later draws as needed |
| Collateral | Usually none specific; a personal guarantee is standard |
| How fast | Cash-flow lines are often open within a week of a complete file; bank-partner lines usually take one to two weeks. |
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 business line of credit — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04Voided business checkbank
- 05Most recent business tax returntax
Industries we often advise on for Business Line of Credit
Where business line of credit is one of the best-fit options for how the business earns.
Compare related options
Not sure this is the one? These are the structures owners most often weigh against it.
More on Business Line of Credit
Free calculators, honest comparisons, and plain-English guides for owners weighing this option.
