What this line of credit offers
Up to $350,000 in revolving credit, terms up to 36 months, with rates starting as low as 12% annually for the strongest files. You draw what you need, repay it, and the available credit opens back up.
- Credit limit: up to $350,000
- Term: up to 36 months
- Rate: as low as 12% annually for qualifying businesses
- Structure: revolving — draw, repay, and the line replenishes
Exact rate and limit depend on the file. Run the math before you draw: a line you don't need yet still costs nothing sitting unused, but the moment you draw it, the clock starts on repayment.
Do you qualify?
This product is built for established businesses. A strong file usually has 3+ years in business, a 650+ personal credit score, and at least $25,000 in monthly revenue.
- Time in business: 3+ years
- Personal credit score: 650+
- Monthly business revenue: $25,000 or more
- Ownership: at least 50% owned by the applicant
- Business type: LLC or corporation (not a sole proprietorship or nonprofit)
- Location: available in most states
These are general guidelines a strong file usually meets, not a guarantee either way. A business that doesn't check every box can still apply — ROI Funder will say plainly if this specific product isn't the fit and show what is.
How it compares to a term loan, by the numbers
A line of credit fits recurring or unpredictable needs where you don't want to pay for money sitting unused. A term loan fits one planned, one-time cost with a fixed payback you can model.
- Line of credit (this product): up to $350,000, terms up to 36 months — draw as needed, cost scales with what you actually use
- Term loan: up to $250,000, terms up to 18 months — one lump sum, one fixed repayment schedule
See the full side-by-side, including how to run the payback math on each, on the funding comparison page.
How to see if you qualify
One short application lets ROI Funder match your file against this line and its other funding options, with no obligation to accept any offer.
ROI Funder reviews your application and connects you with funding partners whose programs fit your file — this line of credit is one of the stronger options for businesses that qualify, but never the only one. You see your real numbers before you decide anything.
What you’ll typically need
- Recent business bank statements
- Basic business and ownership details
- A short description of what the funds are for
Frequently asked questions
Is this a direct loan from ROI Funder?
ROI Funder helps businesses get funded through its funding partners. This line of credit is placed through one of those partners, not funded directly by ROI Funder.
What if my business doesn't qualify for this specific line?
ROI Funder reviews your file against several products. If this line isn't the right fit, you'll be shown other options that better match your business.
Does checking my options affect my credit?
Practices vary by product and partner. Ask about the credit check method for any offer before you accept it.
How is the rate on my offer decided?
Rate and limit are set by the funding partner based on your file: time in business, revenue, deposits, and credit. "As low as 12%" describes the strongest files, not every approval.
How do I know if a line of credit actually pays for itself?
Compare what you'd draw against the return it generates — inventory that sells at a margin, equipment that adds capacity, a contract that needs working capital to fulfill. If the return doesn't clear the cost of the draw, it's the wrong tool for that use.
See your real number
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · Roifunder Funding Team