Get A Credit Line for Your Business
Our business line of credit offers you ongoing access to working capital when your business needs it most.
What is a Line of Credit?
A line of credit is a flexible financing option that allows quick access to a defined amount of working capital. The way it works is a business is approved for a set amount of credit and has access to that amount through a streamlined process which allows for easy access to drawing on the approved amount when needed. The full amount does not need to be drawn at one time, your business can draw on as much or as little capital as needed, up to the approved amount. Businesses are only responsible for repaying the funds they used, plus any interest or other fees that may be charged.
Flexible Payment Options
Term Flexibility
Cost and Fees
Easy Access to Funds
What You Need To Apply
Valid Form Of Identification
Provide a valid, government-issued ID such as a driver's license or passport.
Business Account & Routing Number
Provide your business’s active bank account and routing number to facilitate direct deposit and loan disbursements.
Last 3 Months Bank Statements
Submit your business’s last 3 months of bank statements to verify cash flow and financial stability.
Application Process
1
Apply
Submit your application online by providing basic business information and required documents, such as ID and bank statements.
2
Approval
Our team reviews your application, and once approved, you’ll receive a clear offer outlining your loan terms and payment options.
3
Funded
After approval, your funds will be deposited directly into your business account, ready to use for whatever your business needs.
Line Of CreditFAQs
Is a business line of credit better than a loan?
The choice between a business loan and a line of credit depends on your business’s needs. A loan is ideal if you need a large sum of capital for long-term investments or large projects, and can commit to a fixed repayment schedule. A line of credit is more suited for businesses with ongoing cash flow needs or those who want flexibility to draw funds as needed for short-term expenses, like managing cash flow or covering unforeseen costs.
Is a line of credit better than a credit card?
While both a line of credit and a credit card offer flexible access to funds, a business line of credit typically has higher limits and more favorable interest rates. It’s designed specifically for businesses, with the ability to draw funds as needed, often with lower fees than credit cards. A credit card can be convenient for small purchases, but a line of credit is better for larger, recurring needs.
Can I withdraw cash from a business line of credit?
Yes, with Clear Capital’s business line of credit, you can withdraw funds either through an ACH deposit into your business account or with a card linked to your account, allowing you to access cash quickly and easily.
How does a business line of credit work?
A business line of credit works by giving your business access to a set amount of credit. You can draw funds as needed, up to the approved limit, and only pay interest or fees on the amount you’ve used. Repayment is flexible, and you only pay back what you've withdrawn, plus any applicable interest and fees.
Direct 2 Capital
Direct 2 Capital is dedicated to providing fast, flexible financing solutions to small businesses across a variety of industries. We specialize in offering working capital through business loans, lines of credit, and other financial products designed to support your business’s growth. Whether you need funds for expansion, inventory, equipment, or managing cash flow, we provide easy access to the capital you need, with simple terms and quick approval processes.
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