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Unsecured Business Line of Credit

Be Prepared for Issues or Opportunities

When your business needs funds from time to time to keep daily operations running smoothly, a business line of credit will help you to easily manage cash flow requirements as needed. This LOC may be available even to those without collateral or optimal credit history. When bank financing is not an option or existing bank lines are maxed out, the business line of credit arranged by Kirksley gives you flexible access to capital.

Unsecured Business Line of Credit
Business Line of Credit: Service

Use Funds from an Unsecured Business Line of Credit for Any Business Purpose

A business owner knows that opportunities or challenges may arise quickly, therefore having access to funds via a business line of credit is crucial to being well prepared ahead of time. Once in place, the line of credit may be accessed from time to time as needed and the funds may be used for many legitimate business purposes, such as:

  • purchasing inventory

  • purchasing equipment/machines

  • marketing/advertising campaigns

  • renovation/location refresh

  • franchise obligations

  • deal with slow periods/seasonal changes

  • pay off high interest debt

  • pay business taxes

Perhaps your business needs all of the funding now instead of periodically over time? Then consider a working capital loan that gets you approved for a loan providing complete funding for your business objectives now.

Business Line of Credit: Text

Benefits and Features of an Unsecured Business Line of Credit

This type of business credit offers rapid access to a crucial amount of funding to be drawn periodically over time. Smaller amounts start at $25K while larger lines of credit can reach $500K (or even $750K with multi-unit companies).


Other key points include:

  • fast approval and funding in as little as 2-5 business days from application

  • typically no need for collateral on the loan (i.e. it is unsecured)

  • light paperwork requirements without application fees

  • only pay interest on the money actually drawn (not the total approved funding)

  • low, fixed weekly payments with early payoff options

  • terms typically from 6 months to 3 years

  • defer a portion of the principal up front to give lower payments now

  • interest payments are tax deductible

Contact us today to get started with a customized, unsecured working capital line of credit for your business. Consultations and quotes are always free. Businesses in many kinds of industries are eligible, e.g. brick-and-mortar types in the restaurant, retail, and medical segments as well as warehouse and distribution areas.

Business Line of Credit: Text
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