Smarter Financing Starts with the Right Line of Credit
Global Capital Funding is excited to announce our new lines of credit available for both existing and new borrowers. As a trusted partner for business owners and real estate investors, we recognize the importance of having access to cash when opportunities arise. Whether it’s seizing a lucrative investment or managing unexpected expenses, our lines of credit are designed to provide the liquidity you need.
How Much Can You Borrow?
We offer credit lines with borrowing limits of up to $500,000. Qualified applicants can take advantage of competitive rates starting as low as 7.8%—and the best part? There are no maintenance fees to worry about. This means you can access the funds you need, when you need them, without unnecessary costs eating into your profits. Whether you’re growing your business or expanding your real estate portfolio, our flexible financing adapts to your goals.
Why Choose a Line of Credit?
Imagine having access to funds whenever you need them—whether it’s for seizing a lucrative investment opportunity or managing unexpected expenses. Lines of credit offer you the flexibility and liquidity to navigate the ups and downs of your financial journey. With our lines of credit, you can enhance your cash flow, allowing you to focus on growing your business without the stress of financial constraints.
Flexible Solutions for Real-World Needs
A line of credit isn’t just about covering emergencies—it’s about fueling growth. Use your available funds to cover payroll, bring on new employees during busy seasons, or stock up on inventory when demand spikes. Planning a renovation, upgrading equipment, or securing a larger workspace? With immediate access to capital, you can move quickly when opportunity knocks.
Whether you’re managing day-to-day operations or planning your next big project, our lines of credit are designed to help you make the most of every opportunity.
How Does a Business Line of Credit Work?
A business line of credit functions much like a financial safety net, ready whenever you need it. Once your credit line is approved, you’ll have access to a set amount of funds—think of it as a flexible pool you can dip into anytime unexpected expenses or golden opportunities arise.
Here’s how it works:
On-Demand Access: Draw any amount up to your credit limit whenever your business needs a cash infusion—no need to reapply or wait through long approval cycles each time.
Quick Funding: Funds can be deposited into your account in as little as a few hours after request, subject to a quick review.
Flexible Repayment: Repay what you’ve borrowed through predictable weekly or monthly payments. As you pay down your balance, your available credit replenishes, ensuring ongoing flexibility.
Save on Interest: Interest is only charged on the amount you’ve borrowed, and paying off your balance early can help you save even more—usually without any early repayment penalties.
With a business line of credit, you’re always prepared, whether it’s for seizing new investment opportunities or smoothing out cash flow hiccups, all with the freedom to borrow and repay as your needs evolve.
Extra Perks When You Combine Your Accounts
Pairing your business checking account with your line of credit unlocks a host of exclusive advantages. Here are a few reasons this combination can elevate your financial flexibility:
Lower Interest Rates: Enjoy reduced rates on your line of credit when linked to an active business checking account, helping you save more over time.
Faster Access to Funds: Need cash on the fly? Draws from your credit line can be transferred instantly to your checking account, so you can react to opportunities without delay.
Earn More on Balances: Some business checking accounts offer high-yield interest, so your idle funds can work for you while you manage everyday expenses.
Enhanced Security: Rest easy knowing your deposits are protected by FDIC insurance, often providing peace of mind for balances well above the industry standard.
These benefits add up to a smarter, more seamless banking experience, giving you greater control and confidence in managing both your short-term needs and long-term ambitions.
Interested in a Traditional Business Loan?
If your financing needs require a more conventional approach, applying for a term loan is straightforward. Many reputable lenders—such as Global Capital Funding, —offer business term loans that can provide funding up to $500,000 or more.
Start by gathering your business financials and a clear business plan, then visit your chosen lender’s website to begin the application process. Typically, you can complete the initial application online in just a few minutes, and many institutions will follow up with guidance to help you secure the best terms for your business.
Choosing the right financing option starts with understanding what works best for your goals—whether it’s a flexible line of credit or a traditional loan.
Who is Eligible?
Our lines of credit are tailored for business owners and real estate investors. If you have a solid business plan and a history of responsible borrowing, you may qualify!
Minimum Eligibility Requirements
To ensure our lines of credit serve those positioned for growth and success, we look for applicants who meet the following criteria:
Monthly Revenue: At least $10,000 in business revenue each month
Credit Score: A personal FICO score of 625 or higher
Business History: In operation for at least 12 months
Business Structure: Registered as a Corporation or LLC
Financial Standing: No bankruptcies on file and in good standing with your Secretary of State
Location: Your business must be operating or incorporated in an eligible U.S. State (please note, Nevada, North Dakota, and South Dakota are ineligible at this time)
Banking: Ability to provide an active bank connection or recent bank statements (the process is even smoother if you have online banking access)
If you’re ready to take the next step in growing your business or real estate portfolio, our team is here to help you navigate the process with clarity and confidence.
Where Lines of Credit Aren't Available
While our goal is to serve business owners and real estate investors nationwide, there are a few exceptions to keep in mind. Due to regulatory restrictions, lines of credit are currently not available to residents of Nevada, North Dakota, South Dakota, or any U.S. Territories. If you're located outside these areas, we're ready to help you access flexible funding when you need it most.
Application Process Made Easy
We believe in a straightforward application process. Simply reach out to us, and our dedicated team will guide you through every step, ensuring you have the support you need. Whether you prefer a quick phone call or a message, real people are ready to assist with your questions and help you navigate the process.
Prefer to explore on your own? We also offer a range of self-guided resources available anytime through our Help Center, so you can access answers and helpful tips whenever it suits you.
Don’t let financial constraints hold you back! Contact us today to explore how our lines of credit can empower your business and investment strategies. Together, let’s build a roadmap for your success!
Does Applying for a Business Line of Credit Affect My Credit Score?
It’s a common question—and an important one. When you apply for a business line of credit with us, the initial application or prequalification typically results in only a soft inquiry, which does not impact your personal credit score. However, if you accept an offer and move forward with the funding process, a hard inquiry may then appear on your credit report.
Additionally, keep in mind that if your line of credit is personally guaranteed and the account falls into default, this could be reported on both your business and personal credit profiles. Responsible borrowing and timely payments help protect your credit while building a strong financial foundation for your business and investments.
Unlock Your Financial Potential with GCF Offers Lines of Credit
At Global Capital Funding, we understand that business owners and real estate investors often face unexpected financial needs. That’s why we are excited to announce our new lines of credit, designed specifically for both existing and new borrowers. Our mission is to provide flexible financial solutions that cater to your unique circumstances.
Why Choose a Line of Credit?
Imagine having access to funds whenever you need them—whether it’s for seizing a lucrative investment opportunity or managing unexpected expenses. Lines of credit offer you the flexibility and liquidity to navigate the ups and downs of your financial journey. With our lines of credit, you can enhance your cash flow, allowing you to focus on growing your business without the stress of financial constraints.
Building Your Business Credit with a Line of Credit
A line of credit isn’t just a tool for covering expenses—it’s also a powerful way to strengthen your business credit profile. By borrowing responsibly and making timely payments, you can demonstrate to credit bureaus like Experian, Equifax, and Dun & Bradstreet that your business is financially reliable.
Here’s how you can make the most of your line of credit to build credit:
Use funds strategically: Draw from your line only as needed, ensuring that each withdrawal supports your business goals.
Make on-time payments: Consistently paying at or above the minimum due is one of the simplest ways to boost your business credit score.
Monitor your credit: Track your business credit reports regularly to see the positive impact of your responsible borrowing habits.
By taking these steps, you’ll set your business up for greater funding opportunities in the future—helping you unlock even more possibilities as you grow.
Who Can Apply?
Our lines of credit are available to a wide range of borrowers, including business owners and real estate investors. We prioritize accessibility, so even if your credit history isn’t perfect, you may still qualify for our offerings. Our goal is to empower you to achieve your financial aspirations.
Which Industries Are Ineligible?
While we strive to help as many businesses as possible, there are a few sectors that unfortunately don't qualify for our lines of credit. If your business operates in any of the following industries, we won’t be able to process your application:
- Gambling operations, whether legal or illegal
- Adult entertainment or adult-related paraphernalia
- Political campaign organizations
- Businesses selling firearms or related accessories
- Companies involved with controlled substances—including cannabis, hemp, or related products—even in states where they may be legal
- Financial service firms such as other lenders, insurance agencies, cryptocurrency businesses, or penny auction sites
- Auto dealerships
If your business falls outside these areas and meets our other eligibility requirements, we’re here to help you access the flexible funding you need.
The Application Process
Applying for a line of credit with Global Capital Funding is straightforward and efficient. Here’s how it works:
Contact Us: Reach out to our team to discuss your needs and gather necessary information.
Submit Your Application: We’ll guide you through the application process, ensuring you have all the required documentation.
Receive Your Funds: Once approved, you’ll have access to your line of credit, ready to use at your convenience. Request funds with ease—simply let us know when you need a draw, and approved funds can be available in your account as quickly as the same business day, often within just a few hours.
As you use and repay your line, your available credit automatically replenishes, giving you ongoing flexibility for future needs. Repayments are straightforward, with options for weekly or monthly schedules tailored to your preferences. Plus, you’ll only pay simple interest on what you use, and there are no fees for early repayment—so you can save on interest if you pay off your balance ahead of schedule.
This seamless access empowers you to manage cash flow, tackle new opportunities, and handle unexpected expenses—all on your terms.
What You’ll Need to Qualify
To ensure a smooth and swift application process, it helps to have the following in place:
Monthly Revenue: Ideally, at least $10,000 in business revenue.
Credit Score: A personal FICO score of 625 or higher is preferred.
Business History: A minimum of 12 months in business demonstrates stability.
Business Entity: Your business should be a Corporation or LLC in good standing.
Financial Records: Be prepared to provide recent bank statements—having an active business bank account linked can speed up the review.
No Recent Bankruptcies: Your business should have a clean record.
Location: Your business must be operating or incorporated in an eligible U.S. State.
State Standing: Ensure you’re in good standing with your Secretary of State.
If you already have an established relationship with us, the process is even simpler and faster. Our team is here to answer questions and help you gather everything you need, so you can focus on what matters most—growing your business and seizing new opportunities.
How Repayment Works
Repaying your business line of credit is just as convenient as accessing your funds. Once your line of credit is approved and you draw funds, you’ll see the money deposited right into your account—sometimes in as little as a few hours, depending on review and approval.
Repayments are typically set up on a weekly or monthly schedule, and the process is automatic, so you can focus on running your business without worrying about missed payments. As you pay down your balance, your available credit replenishes, giving you continued flexibility to use what you need, when you need it.
Plus, because our lines of credit use simple interest rather than compounding, you can actually save money if you choose to repay earlier than scheduled. And there are no penalties for paying off your balance ahead of time, giving you freedom and control over your finances.
Early Repayment: Fees and Penalties
We believe in flexible financing—so if you choose to pay off your line of credit ahead of schedule, you won’t be penalized. Our simple interest model means you only pay interest on the outstanding balance, and settling early can actually reduce your overall interest costs. Best of all, there are no hidden fees or early repayment charges, giving you the freedom to manage your cash flow without worry.
Helpful Resources and Guides
To help you maximize your business funding options, we’ve put together a range of practical guides and resources. Whether you’re looking to make the most of your line of credit, connect an external bank account, or navigate the application process, you’ll find step-by-step instructions and expert advice.
Getting Started: Find detailed checklists on preparing your documents and submitting a strong application.
Utilizing Your Funds: Discover tips for strategically using your line of credit to support cash flow, fund new projects, or manage day-to-day expenses.
Account Integration: Step-by-step walkthroughs make connecting your external bank accounts a breeze—saving you time and simplifying transfers.
You’ll also find articles on best practices and industry insights from trusted sources like the U.S. Small Business Administration, SCORE, and NerdWallet, all designed to ensure your funding helps your business flourish. Explore our full library of resources to stay informed every step of the way.
How to Connect an External Bank Account to Your Business Line of Credit
Optimizing your access to funds often means linking your line of credit to your existing business bank account—think Chase, Wells Fargo, Bank of America, or your local favorite. By connecting an external account, you can easily move funds and manage payments, ensuring your business has the liquidity it needs whenever opportunities arise.
Here’s a simple step-by-step process to get you started:
Log In to Your Online Portal: Access your account dashboard where you manage your line of credit.
Navigate to Account Settings: Look for an option related to ‘Bank Accounts’ or ‘External Accounts.’
Add a New External Account: Click the button to link a new bank account. You may need your bank’s routing and account numbers on hand.
Complete Verification: For security, you’ll likely have to verify your account. This often involves confirming small test deposits sent to your external bank (from institutions like Citibank, US Bank, or even Credit Unions).
Confirmation: Once verified, your external bank account will be linked, allowing you to draw funds directly into your preferred account or manage payments seamlessly.
Should you encounter any hiccups, our team is always ready to help walk you through the process. Connecting your external bank ensures you can maximize the flexibility and convenience of your line of credit—so you’re ready when the next opportunity calls.
Seamless Account Management
Absolutely. When you’re approved for a line of credit with Global Capital Funding, you’ll be able to manage both your business checking account and your line of credit from a single, user-friendly dashboard. This means you can keep an eye on your finances, transfer funds, and access available credit draws—all in one convenient place. Instantly transfer approved funds to your business checking account so you can focus on what matters most: growing your business.
Get Started Today!
Don’t let financial constraints hold you back. Contact us today to explore how our lines of credit can provide the support you need to succeed. At Global Capital Funding, we are committed to being your trusted financial partner, ready to help you build a roadmap for your success.
Join the many satisfied borrowers who have benefited from our services. In our lifetime, we have closed over 20,000 loans, demonstrating our reliability and expertise in the industry. Let us help you unlock your financial potential today!