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Línea de Crédito para Negocios

Una línea de crédito renovable que le da a su negocio acceso continuo a efectivo — retire lo que necesite, páguelo y vuelva a retirar, sin volver a aplicar cada vez.

A pot of money you can draw from whenever you need it, pay back, and draw from again — like a credit card, but usually cheaper and larger.

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Who it's for

Businesses with uneven income. If some months are strong and some are thin, a line of credit smooths the gap without you taking a new loan every time.

How it works

1You are approved for a limit — say $100,000. Nothing is borrowed yet.
2You draw what you need, when you need it. Money arrives in your account.
3You pay interest only on what you actually drew, not the whole limit.
4As you repay, the limit refills and can be used again. That is why it is called revolving.

What to watch out for

A line of credit is easy to lean on and hard to climb out of if you treat it as income. It works when you repay it inside your normal business cycle.

At a glance

●Crédito renovable hasta su límite aprobado
●Pague intereses solo por el monto que retire
●Reutilizable a medida que paga
●Ideal para manejar brechas de flujo de caja

Common questions

Do I pay anything if I never draw on it?

Often there is a small maintenance or unused-line fee, but you do not pay interest on money you did not take. Ask us to confirm before you sign.

How is this different from a term loan?

A term loan is one lump sum you repay on a fixed schedule. A line of credit you dip into repeatedly. Use a term loan for one big known cost, a line for ongoing unpredictable ones.

Programas relacionados

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Financiamiento para Negocios

Línea de Crédito para Negocios

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