Funding Solutions
Capital on Standby — Draw Only What You Need
A business line of credit is the financial safety net every business deserves. Access funds instantly, pay interest only on what you use, and replenish your credit as you repay.
Check Your EligibilityOverview
Business Lines of Credit
A business line of credit is the most flexible financing tool available to any business owner. Unlike a term loan where you receive a lump sum and start paying interest on the full amount immediately, a line of credit gives you access to a pool of capital that you draw from only when needed. You pay interest exclusively on the amount you've actually used, and as you repay, your available credit replenishes — creating a revolving funding source that's always available.
Granton Hale Capital offers business lines of credit from $25K to $1M, designed for companies that need ongoing access to capital for variable expenses, unexpected costs, or short-term opportunities. This product is especially powerful for businesses with unpredictable capital needs — you might draw $50K one month for a large inventory order, nothing the next month, and $20K the month after for a quick equipment repair. You only pay for what you use.
Our lines of credit are approved within hours, not weeks. Once your credit line is established, you can draw funds instantly — typically via ACH transfer to your business bank account within the same business day. For businesses that have graduated beyond one-time funding and need a permanent capital facility, a line of credit is the natural next step.
Ideal For
Amount
$25K–$1M
Term
Revolving (12–24 month facility)
- Businesses with variable or unpredictable capital needs
- Companies managing seasonal inventory fluctuations
- Service businesses bridging gaps between billing and payment
- Operators who want financial flexibility without paying for unused capital
- Growing companies that need ongoing access to quick funding
Why Choose This Product
Key Benefits
Pay Interest Only on What You Use
A $500K credit line costs nothing when you're not drawing on it. If you use $100K for 30 days, you only pay interest on that $100K for 30 days. This makes a line of credit dramatically more cost-effective than a term loan for variable needs.
Revolving Access
As you repay drawn amounts, your available credit replenishes automatically. A $500K line of credit used wisely can support millions of dollars in total transactions over its lifetime.
Instant Access When Opportunity Strikes
Once established, you can draw funds within hours — no re-application, no new underwriting. When a supplier offers a closeout deal or an emergency expense hits, you're covered immediately.
Financial Safety Net
Having an established credit line means you're prepared for the unexpected — equipment breakdowns, slow-paying clients, weather events, or sudden opportunities. Peace of mind has real business value.
The Challenge
Problems This Solves
Paying for Capital You Don't Need
A $300K term loan charges interest on the full amount from day one, even if you only need $50K this month. Businesses with variable capital needs waste thousands in interest on funds sitting idle in their account.
Re-Applying Every Time You Need Capital
Without a credit line, every capital need means a new application, new underwriting, new waiting period. For businesses that need funding 3–4 times per year, this repetitive process is exhausting and inefficient.
Unpredictable Emergency Expenses
A delivery truck breaks down. A key employee needs emergency training. A pipe bursts at your warehouse. Without a credit line, you're scrambling for expensive emergency funding or dipping into reserves that should fund growth.
Client Payment Delays
B2B businesses operating on net-30, net-60, or net-90 payment terms often wait weeks for invoices to be paid while expenses continue daily. A credit line bridges this gap seamlessly without the cost or complexity of invoice factoring.
Use Cases
How Businesses Use This Funding
Bridging Net-60 Client Payments
A staffing agency draws $120K from their line of credit to cover contractor payroll while waiting for a Fortune 500 client's net-60 payment of $185K. Once the invoice is paid, they repay the draw and the credit replenishes.
Seasonal Inventory Pre-Purchase
A garden supply retailer draws $200K in February to stock up on spring inventory, then repays through May and June sales. In October, they draw $80K for holiday decor inventory. Total interest paid covers only the months each draw was outstanding.
Emergency Equipment Replacement
A bakery's commercial oven fails on a Tuesday morning with $15K in weekend orders due. They draw $25K from their credit line, have a replacement oven installed by Thursday, and repay over the following 6 weeks from revenue.
Opportunistic Bulk Purchase
A building materials distributor learns a supplier is liquidating inventory at 40% below market. They draw $350K from their credit line, purchase the inventory, and sell it within 45 days at full margin — repaying the draw with profit to spare.
Payroll Coverage During Growth
A digital marketing agency hires 5 new employees to service a large contract. Revenue from the contract starts in month 2, but payroll starts immediately. They draw $90K to cover the gap, repaying as invoices from the new client are collected.
Tax Payment Management
A profitable business faces a $150K estimated tax payment in Q4 but wants to preserve cash for holiday inventory. They draw against their credit line for the tax payment and repay over 90 days from Q4 revenue.
FAQ
Frequently Asked Questions
How does a line of credit differ from a credit card?
A business line of credit typically offers much higher limits ($25K–$1M vs. $5K–$50K), lower interest rates (8–24% vs. 18–29% APR), and direct bank transfers rather than card-based purchases. Credit cards are great for small daily expenses; a line of credit is designed for larger, more strategic capital needs like inventory, payroll, and significant purchases.
Is there a fee if I don't use my credit line?
Some credit line programs include a small annual or monthly maintenance fee ($50–$200/month) that applies whether or not you draw funds. Others have zero fees until you make a draw. We'll clearly outline any maintenance fees before you accept — there are never hidden charges.
How quickly can I access funds once my credit line is established?
Once your line of credit is approved and set up, you can typically request draws that land in your business bank account within the same business day if requested before noon, or next business day for afternoon requests. There's no re-application or re-underwriting for individual draws — it's your credit to use as needed.
What happens when my credit line facility expires?
Most business lines of credit are established for a 12 or 24-month facility period. At the end of the term, we review your account for renewal. Businesses with clean repayment histories are typically renewed at the same or improved terms. Many clients maintain their credit line year after year as a permanent component of their financial toolkit.
Can I increase my credit limit over time?
Yes. After 6 months of active and responsible use, you can request a credit limit increase. We review your recent revenue, repayment history, and current business performance. Many clients start with a $100K line and grow it to $500K+ over 18–24 months as they demonstrate strong repayment behavior.
Do I need collateral for a business line of credit?
For lines up to $250K, most programs require only a general business lien (UCC-1 filing) and a personal guarantee — no specific collateral like real estate or equipment. Larger credit lines ($250K–$1M) may require additional documentation and collateral depending on your business profile.
Ready to Get Funded?
30-second application. No hard credit pull. Decisions in as little as 3 hours.