A business line of credit provides flexible access to funds, giving you the ability to draw when needed without paying for what you don’t use.
A business line of credit designed to provide immediate access to funds whenever you need it most.
Up to $200,000 (No Tax Returns)
Business Line of Credit
Ranging from 8 to 24 months
Weekly or Monthly
1. Apply in Minutes
Fill out our quick online application in just a few minutes to check your eligibility for a line of credit up to $200,000. For larger amounts up to $750,000, full disclosures will be requested. The best part? There’s no impact on your personal credit score (no hard pull) and no obligation to accept our offer.
2. Review & Accept Your Terms
Once you’re prequalified, you’ll receive a clear and detailed contract to review. If you choose to accept, we can fund your account in as fast as 24 hours, giving you immediate access to your revolving line of credit.
3. Access Your Funds
Start drawing from your credit line as soon as you’re approved. With our revolving credit, once you repay your outstanding balance, those funds become available for you to draw again. You’ll select a new repayment term each time you access additional funds, ensuring you only pay interest on what you draw.
A business line of credit is a flexible financing solution that provides access to funds when your business needs them most. Unlike a traditional loan, where you receive a lump sum upfront, a line of credit allows you to borrow and repay funds repeatedly, up to a set limit. You only pay interest on the amount you use, giving you greater control over your finances.
A business line of credit offers several advantages for business owners:
With a business line of credit from Sprovia Capital, you can secure the financial flexibility needed to keep your business thriving in any environment. Whether it’s for working capital, covering payroll, or investing in new opportunities, a line of credit gives you the freedom to grow and succeed on your own terms.
With a Sprovia Line of Credit, any funds you withdraw are combined into a single loan, with one straightforward weekly or monthly payment. As you repay the principal, your available funds are replenished. You can adjust the payment amount and term to fit a convenient repayment schedule.
Yes. We are considering applicants with tax liens on a case-by-case basis.
The overall cost of your line of credit will depend on several factors, such as your personal and business credit scores, the length of time your business has been operating, your industry, your annual business revenue and cash flow among other.
Sprovia lines of credit are unsecured.
You can use funds from your Sprovia line of credit for any legitimate business purpose, for example: meeting payrolls, payoff high interest loans, open a new location, renovations, equipment acquisition, purchase inventory and more.
Yes, early repayment is allowed without penalties and with discounted pay off.
Sprovia provides business capital through a network of unaffiliated third-party funding providers. All offers will depend on your business meeting at the time of submission lender prequalification and/or underwriting criteria, which includes, but is not limited to, business & personal credit history, time in business, cash flow, revenue consistency, industry-specific underwriting rules.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT OR FOR A REQUEST FOR CREDIT — To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or business that opens an account or request credit.
What this means for individuals: When you open an account or request credit, we will ask for your name, address, date of birth, Social Security number, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
What this means for businesses: When a business opens an account or requests credit, we will ask for the business name, business address, Employer Identification Number (EIN), and other information that allows u to identify the business and signatories. We may also ask to see other identifying documents showing existence of the business.
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