Talk Through the Goal
We start with the property, the timeline, and the goal.
Advisor-Led Financing Guidance
Business Line of Credit
A business line of credit gives you on-demand capital so you can move quickly without reapplying each time.
Loan Range: $25,000 – $1,000,000
Typical Timeline: 3–14 days
- Seasonal cash-flow gaps
- Inventory or vendor purchases
- Payroll support during receivable cycles
- Short-term growth opportunities
Talk Through Your Scenario
Share the basics. We'll map the likely path.
This May Be A Fit If...
- Seasonal cash-flow gaps
- Inventory or vendor purchases
- Payroll support during receivable cycles
- Short-term growth opportunities
How We Evaluate The Deal
We keep the early conversation practical so you know the likely path before the file gets heavy.
Map the Realistic Lending Path
We outline likely structure, down payment, and documentation early.
Stay Involved Through Closing
If the path makes sense, we stay involved through underwriting and closing.
Executive Summary
What Lenders Usually Want To See
At a high level, these are the points lenders usually focus on first.
Documented business revenue
Time in business requirements vary
Personal and business credit reviewed
Active business bank account
Working capital usually gets stressful when timing is tight. A line of credit gives you flexibility when payroll, inventory, receivables, or short-term opportunities show up faster than cash collections.
Common uses for a line of credit
- Seasonal cash-flow gaps
- Inventory or vendor purchases
- Staffing during slower receivable cycles
- Short-term growth opportunities or unexpected expenses
What lenders review early
- Time in business and documented revenue
- Business bank activity and average cash flow
- Credit profile and recent payment history
- Whether the requested limit matches the operating need
How this differs from a term loan
A line of credit is built for recurring working-capital needs, not a one-time long-duration project. We help you decide when revolving access makes sense and when a term loan or SBA structure is the better fit.
What Clients Say
Clients come to us for clarity, speed, and straight answers.
"Rexford moved fast, explained every option clearly, and helped us close on terms that worked for our cash flow."
Clear guidance before the file gets heavy.
We start with the scenario, test the likely path, and stay involved through closing.
Frequently Asked Questions
How is interest charged?
You typically pay interest only on funds drawn, not on the full credit limit.
How fast can funds be available?
Depending on lender and file quality, funding can happen in days after approval.
Can I reuse the line after repayment?
Yes. Revolving lines let you draw, repay, and draw again up to your approved limit.