Commercial Line of Credit
A Business Line of Credit is a flexible financing tool that gives you access to a revolving credit limit. You can draw funds as needed up to your approved limit, repay, and borrow again without reapplying. This flexibility makes it ideal for managing fluctuating cash flow, covering short-term working capital needs, or handling unexpected expenses.
Ready To Expand?
Access Your Commercial Line of Credit for Local Businesses
SMB Lender offers lines of credit designed to match your business’s cash flow cycle, with competitive interest rates and convenient draw options. This solution helps you stay agile and seize opportunities without tying up your capital.
Ready To Apply or Need More Info?
Fill out the form and get in touch with a loan agent. We can help you decide if an SBA loan is right for your situation and help you with the application process.
With our preferred lenders, we’ve made the process as streamlined as possible, reducing closing times and surprises. Most businesses are funded within 30 days of application.
What is a Commercial Term Loan?
A Business Term Loan is a traditional financing option that provides a lump sum of capital upfront, which you repay over a fixed term with regular payments. These loans are ideal for businesses that have a clear, one-time funding need such as expansion, purchasing inventory, or refinancing debt. Term loans usually come with fixed or variable interest rates and set repayment schedules, offering predictability for your cash flow planning.
At SMB Lender, we help small and medium businesses secure competitive term loans tailored to their industry, credit profile, and financial goals. Whether you need short-term funding or a longer repayment horizon, we work to find solutions that align with your business cycle.
With SMB SBA, LLC as your guide, acquiring a new business doesn’t have to be daunting or financially draining. Our SBA 7a lending expertise unlocks access to funding, minimizing your risk and accelerating your path to ownership.
Grow your future. Secure your legacy. Let’s build your business together.
Frequently Asked Questions
Answers to commonly asked questions about Commercial Term Loans.
1. How does a business line of credit work?
You get a credit limit, draw funds when needed, and pay interest only on the amount you use.
2. Is a business line of credit secured or unsecured?
It can be either; unsecured lines usually have lower limits and higher rates.
3. What are common uses for a line of credit?
Covering payroll, purchasing inventory, managing seasonal fluctuations, or emergency expenses.
4. How is interest calculated?
Interest accrues only on the drawn amount, not the total credit limit.
5. Can I use a line of credit multiple times?
Yes, as you repay your balance, funds become available again to borrow.