Business Line of Credit — Revolving Credit When You Need It
Access a revolving credit line for your business. Draw funds as needed, repay, and reuse. No need to reapply every time—get matched with options that fit your cash flow.
OneDayCap is an AI-native Capital Advisory & Funding Infrastructure Platform serving U.S. small businesses.
- 100% Online
- Instant Pre-Approval Quote
- Real-Time Funding Decisions
- 50+ Active Funders
A Simple, Efficient Process
How it works
Apply Online
Complete a short application in minutes. No collateral required.
Cash-Flow Review
Your business is evaluated based on actual performance - not your personal credit score.
Capital Arranged
Receive a fast decision. In many cases, funds are delivered within one business day.
Customer Reward Program
Limited-TimeFund through OneDay Capital and receive a FREE reward based on the total funded amount.*
Takes just minutes.
Why Businesses Choose OneDay Capital
- ✓Same-day funding decisions
- ✓No collateral required
- ✓Minimal documentation
- ✓Credit score is not the deciding factor
- ✓Multiple funding options available
- ✓Funds usable for any business purpose
Why a Business Line of Credit from OneDayCap?
Revolving access
Unlike a term loan, a line of credit lets you draw only what you need, when you need it. Repay and reuse without reapplying—ideal for ongoing or seasonal needs.
Fast, online process
Apply online in minutes. We match you with funders offering business credit lines based on your revenue and credit profile. Get decisions without long bank waits.
Flexible use
Use your credit line for inventory, payroll, repairs, marketing, or any business purpose. Many options don’t restrict how you use the funds.
Frequently Asked Questions
- What is a business line of credit?
- A business line of credit is revolving credit: you’re approved for a maximum amount and can draw from it as needed. You pay interest only on what you’ve drawn. As you repay, that amount becomes available again. It’s different from a term loan, where you receive a lump sum and make fixed payments.
- How is a line of credit different from a term loan?
- A term loan gives you a one-time lump sum with a fixed repayment schedule. A line of credit gives you ongoing access up to a limit—you draw when you need funds and repay on a schedule (often weekly or monthly). Once repaid, you can draw again without a new application.
- Who qualifies for a business line of credit?
- Eligibility depends on the funder and your business revenue, time in business, and credit. We work with multiple funders so we can match you with options that fit your profile. Apply online to see what you may qualify for.
Ready for Business Line of Credit?
Apply in minutes. No impact to your credit to check eligibility.
Apply Now