Banks and credit unions lend it to established firms, online lenders to younger ones. They look at steady revenue and balances. 527 lenders offer business lines of credit across the US and Canada, usually from $10k to $1M. Last checked Nov 1, 2026.
Banks and credit unions open lines of credit for established businesses, usually with deposits held at the same institution. Online lenders and fintech platforms offer smaller lines to younger firms and decide from bank data. Larger lines secured by receivables and inventory come from asset based lenders. Each lender sizes the limit from your revenue, your working assets or your cash flow, and expects to see the line drawn and repaid rather than sitting fully used for months.
Read the guide: Business lines of credit: how lenders size and price them4 min
Banks and credit unions for established firms, online lenders and fintech platforms for younger ones, asset based lenders for larger secured lines.
Steady revenue, healthy average balances, receivables and inventory that back the limit, and a history of drawing and repaying rather than staying fully drawn.
Entries start from public records. Standing rises as the lender claims its entry, adds its loan officers and verifies its details.
527 today, with 34 loan officers who work at them, across the US and Canada. Any lender can claim its entry and correct its details.
