top of page

Line of Credit


$10,000 to $2,500,000



As Low As 2.00%


Payment Terms

6 Months

Fast Business Line of Credit

Get Approved In 24 Hours

Draw Funds Whenever You Need

Available Credit Replenishes as You Pay


Draw funds with the click of a button, pay only for what you use!

Ivy Lender facilitates business lines of credit for your operational needs so that you have ready access to cash when you need it. Funds can be used for a variety of purposes, from meeting short-term cash flow needs and adding staff to purchasing inventory.  With a fast and flexible business line of credit you get the security of a true revolving line of credit.


In order to receive a business line of credit loan, you must have a history of profitable operations and demonstrate a positive cash flow. Maximum lines of credits are determined on a company's revenue and cash flow in the past, the present and in the future. Similar to credit cards, borrowers are approved for a designated amount of money and can borrow as much as they want as long as they repay their debts under the terms of the loan.

Acquiring a business line of credit can be a game-changer and is a prudent financing option for the following reasons:

1. Cushion Seasonal Sales Lows

Businesses with varying revenue streams need capital during slow periods to operate efficiently. For instance, retail stores flourish and generate much of their revenue during the holiday season, but need to stay financially afloat in the slower periods of the year. Fortunately, with a business line of credit, borrowers only have to pay interest on the amount used.

2. Get The Working Capital You Need To Keep Running

Businesses with long accounts receivables often experience cash shortages that impede business growth and depress service standards. A cash infusion can help solve these issues. For example, in the IT staffing industry, companies need to spend a lot of time (sometimes up to 30 days) and money upfront to recruit, train and deploy personnel. Generally, companies do not receive payment for 90 to 120 days. The company is forced to cut costs, like training programs, affecting the overall service level. Lines of credit backed by accounts receivables -- also known as accounts receivables financing or accounts receivables factoring -- can fund up to 90 percent of the receivables, depending on the creditworthiness of the business customer base.

3. Benefit From Cost Savings 

Entrepreneurs can use business expansion loans to take advantage of discounts available through bulk purchases or cash advances. For example, wholesale distributors of wireless pre-paid phone cards need cash for buying minutes in bulk from telecom companies. Paying upfront can earn the distribution company a 3 to 5 percent discount on the cards. The need for working capital arises when retail customers pay the distributors over a period of 14 to 21 days. Using a business line of credit as working capital can directly improve a company's bottom line. 


  •  Ability to stack with existing MCA loan


  •  No maintenance fees


  •  No unused credit fees


  •  No prepayment penalties







9 months in business


Business Revenue must be $100,000 +


Business owners must be U.S. citizens or legal permanent residents


Business owners must have personal credit scores 650 or above


Cash flow to support loan payments




More than 2 NSF’s on current month’s bank statements or 5 in 90 days


Bankruptcies or foreclosures in the last 3 years


Prior default on government backed loans


Outstanding tax liens


Loan proceeds cannot be used for unpaid taxes




Draw up to the max credit line whenever you want


Pre-pay with no fees


Every payment replenishes your available capital

* Currently Unavailable In The Following States: Kentucky, Nevada, New Hampshire, North Dakota, South Dakota, Tennessee, and Vermont

bottom of page