Flexible Credit
    On Your Terms

    Access revolving credit from $5,000 to more than $10M. Draw funds as needed, repay, and use again. Pay interest only on what you borrow, right-sized for everything from short-term cash flow to enterprise working capital.

    Why a line of credit?

    The most flexible form of business financing.

    Revolving Access

    As you repay, your available credit replenishes. Use it again and again for ongoing business needs.

    Instant Access

    Draw funds when you need them-not when you don't. Perfect for unexpected expenses or opportunities.

    Pay Only for What You Use

    Interest is charged only on the amount you draw, not your total credit limit. Save money when you don't need funds.

    How it works.

    1

    Get Matched with Credit Options

    Request consultation and we'll connect you with lending partners who can provide a credit limit based on your business financials.

    2

    Draw Funds When You Need Them

    Access your line of credit online or by phone. Funds typically available within 24 hours.

    3

    Make Minimum Payments

    Pay interest monthly on the amount you've drawn. Make payments to reduce your balance.

    4

    Reuse Your Credit

    As you pay down your balance, your available credit increases. Use it again whenever needed.

    Perfect for these situations.

    Seasonal cash flow gaps
    Emergency expenses
    Inventory purchases
    Short-term opportunities
    Payroll bridging
    Marketing campaigns
    Equipment repairs
    Bridge financing
    Working capital cushion

    Qualification requirements.

    Baseline criteria for smaller lines. Requirements scale with the size and structure of the facility, and larger credit lines may require additional financials, collateral, or personal guarantees.

    6+ months in business for starter lines, 2+ years for larger facilities
    Annual revenue starting at $50K, scaling with line size
    Personal credit score 600+ (higher scores unlock better pricing)
    Consistent monthly deposits and positive cash flow
    No open bankruptcies or unresolved tax liens
    Business bank account and clean financial statements

    Get the flexibility you need.

    Establish your business line of credit today. Have funds ready when opportunities arise.

    The short answer

    A business line of credit is a revolving facility you draw against as needed and repay, with interest charged only on the outstanding balance. It is the right tool for timing gaps such as payroll, inventory cycles and receivable delays, rather than for long-lived assets.

    Frequently asked questions

    How is a line of credit different from a term loan?
    A term loan advances a lump sum repaid on a fixed schedule; a line of credit is revolving, so you draw and repay repeatedly and pay interest only on what is outstanding. Lines fit recurring working-capital gaps, term loans fit one-time investments.
    What do lenders require for a business line of credit?
    Typically one to two years in business, consistent monthly deposits, and clean recent bank statements. Larger bank lines add financial statements, a debt schedule and often a personal guarantee.
    How fast can a line of credit be in place?
    Non-bank revolving lines can be approved in two to five business days. Bank lines take two to four weeks because they require full underwriting and, in most cases, a formal credit committee review.
    Does an unused line of credit cost anything?
    Some lenders charge an annual or unused-line fee, typically a fraction of a percent of the commitment. Many non-bank lines have no cost when undrawn, which makes them useful as standby liquidity.

    Important disclosures

    Kala Financial LLC is a business advisory and consulting firm and is not a law firm, CPA firm, registered investment adviser, broker-dealer, lender, or insurance carrier. Services are provided only under a written engagement agreement, and all credit decisions are made solely by lenders and capital providers.