Do you offer real-time bid delivery for LOC?

Yes. Buyers integrated to our real-time endpoint receive an anonymised notification in <100ms and can respond immediately.

Is stacking disclosed on the lead?

Yes. Number of existing advances / lines is self-reported at capture. Buyers can filter to no-stack files.

Can I filter to secured lines only?

Yes, collateral offered (A/R, inventory, equipment) is captured as an optional field for buyers who write secured facilities.

Are restricted states applied?

Yes. We honor your restricted-state list per state and per product, no lead flow from states you don't fund.

How do renewals work, do I get first refusal on my funded borrowers?

Yes. Borrowers you fund are suppressed from re-delivery for 12 months by default, giving you the renewal cycle.

US lead product · Working capital

Business Line of Credit

Revolving working capital, draw only what you need.

$10k – $500k6 – 24 months (revolving)Same day – 3 days

Join the waiting list for Business Line of Credit All US products

Revolving working capital

Secured & unsecured lines
Same-day approval available
Draw on demand, pay interest only on drawn

Leads sourced through our multi-channel B2B marketing engine

Google Ads

Meta Ads

LinkedIn Ads

Microsoft/Bing Ads

TikTok Ads

YouTube Ads

X Ads

SEO

SEO for AI

Email marketing

SMS & MMS marketing

Telemarketing

Partner referrals

Affiliate marketing

Google Ads

Meta Ads

LinkedIn Ads

Microsoft/Bing Ads

TikTok Ads

YouTube Ads

X Ads

SEO

SEO for AI

Email marketing

SMS & MMS marketing

Telemarketing

Partner referrals

Affiliate marketing

What is business line of credit?

A business line of credit gives operators a revolving facility they can draw against on demand, pay interest only on what's drawn, redraw as it's repaid. It's the go-to product for smoothing seasonal swings, payroll gaps and opportunistic inventory buys.

Because underwriting relies heavily on bank statement cash flow, approvals are fast, often within a day. That produces a high-conversion, high-frequency lead flow.

Product mechanics

Key numbers your BDO team should know before the first call.

Loan range: $10k – $500k
Typical term: 6 – 24 months (revolving)
Indicative rates: 9% – 30% APR (indicative)
Funding speed: Same day – 3 days
Typical borrower: Established small businesses managing seasonal cash flow, payroll, or inventory purchases.
Why brokers want these: Fastest-closing product; near-instant online decisions from many lenders.

Common use cases

Seasonal payroll and A/P bridging
Inventory buys ahead of a busy season
Marketing spend to capture demand
Emergency cash flow gaps

Typical borrower qualifications

6+ months TIB
$10k+ monthly revenue
FICO 600+
Business checking account with 3+ months statements

Why brokers buy from us

Why working capital brokers buy business line of credit leads from us

What makes this feed different from generic aggregator flow.

Real-time delivery ready, quote in real time so you win the deals your rate card supports

Bank statement prompt captured on ~40% of inquiries, cutting time-to-decision

Stacking status disclosed so you can decline out-of-box files without an underwriter touch

Compare

How business line of credit compares to adjacent products

Help your team route inquiries to the right product on day one.

vs Merchant Cash Advance

MCA is a one-shot advance repaid daily; an LOC is revolving with pay-as-you-draw interest, better cost per dollar for recurring gaps.

View Merchant Cash Advance

vs Working Capital Loans

Term WC gives a lump sum with fixed daily/weekly payments; an LOC preserves flexibility for uncertain draw timing.

View Working Capital Loans

vs Business Credit Cards

Cards are simpler for sub-$25k needs and reward spend; LOCs cover larger, cash-out-to-vendor use cases.

View Business Credit Cards

Our lead generation process

How we generate business line of credit leads

Every inquiry is captured, consented and verified before it reaches your team.

Source channels

SEO for 'business line of credit' and comparison content (LOC vs MCA, LOC vs term loan)
Google Search Ads on high-intent LOC keywords with same-day-approval angle
Aggregator integrations with alt-finance partners for real-time LOC intent
Compliant email nurture to opted-in SME database (renewal reminders drive strong response)

Data captured on each lead

Requested line size and primary use of funds
Time in business (6-month gate) and average monthly revenue
Owner FICO band (self-reported, then verified at soft pull if buyer runs it)
Existing debt, outstanding MCA positions and stacking status
State, industry NAICS and business checking bank

Verification workflow

6-month TIB and $10k monthly revenue gate at capture
Restricted-state and restricted-industry filter applied to buyer feed
Bank-statement upload prompt to accelerate underwriting for buyers who accept it
TCPA + CAN-SPAM consent captured with IP, timestamp, source URL

What a lead looks like

Verified inquiry

$10k · Business Line of Credit

LLC · US-based · verified decision-maker · TCPA consent on file

Requested line size and primary use of funds: ✓
Time in business (6-month gate) and average monthly revenue: ✓
Owner FICO band (self-reported, then verified at soft pull if buyer runs it): ✓
Existing debt, outstanding MCA positions and stacking status: ✓

Who this suits & how we qualify

Best fit for

ISOs, working capital brokers, and lenders with same-day decisioning platforms.

Qualification standard

6-month TIB and $10k monthly revenue gate at capture
Restricted-state and restricted-industry filter applied to buyer feed
Bank-statement upload prompt to accelerate underwriting for buyers who accept it

Turnaround

Fresh, consent-captured inquiries delivered to you in real time, inside your agreed response window.

Broker FAQs

Common questions from buyers of business line of credit leads.

Ready for verified Business Line of Credit inquiries?

Tell us your credit box and volume, we'll come back within one business day.

Join the waiting list