Flexible Business Line of Credit | Starling Capital Group

Business Line of Credit

Always Be Prepared, Empower Your Business with Flexible Financing Solutions

Only Pay for What You Borrow

You’ve got big plans to grow your business, but all you’re missing is the capital to make it happen. Whether it’s an expansion project, renovations, some new equipment, or another location, we have your back. Our Line of Credit quickly puts up to $750,000 at your fingertips. Use the funds as needed and only pay for what you borrow. The initial line can be approved in 24 to 48 hours, with 24-hour access to 5 separate loan drafts over the next 6 months.

Even without an immediate need, business owners are establishing lines of credit now. Being prepared is smart. Business owners know opportunities and/or issues can arise quickly and having committed working capital at the ready allows them to be prepared for the unexpected!

What is a Business Line of Credit?

A line of credit is an approved amount of committed working capital extended to restaurant and small business owners allowing them to draw upon when the need arises. This type of financing allows merchants to pull funds from their line as needed and only pay interest on the money they take. Business owners have 24-hour access to 5 separate loan drafts over a 6-month period. You can even request funds online!

Line of Credit Advantages

Loan amounts are available from $5,000 to $750,000 with repayment terms up to 36 months

Lock in your best rate for the next 6 months with a minimum first draft of only $10,000

Use the funds as needed and make low, fixed weekly payments. Our line of credit is a business loan not a cash advance, so repayment is not tied to your daily credit card receipts

Quick online approvals and fundings in less than a week. Line drafts are normally processed in 24 hours

Combine our Business Line of Credit with our Flex Pay Loan and you can defer up to 50% of the principal into the future for more affordable payments now, and pay it back when the time is right

The interest you pay is tax deductible, further lowering your cost of funds, and early payoff options are available

Minimum Qualifications

We think funding should be accessible. So, we've created a guide to make it easier.

Industry Type

We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list of industries.

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Credit Score

Even with less than perfect credit, we can get you approved for a line of credit. An Equifax credit score of only 551 is required.

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Time in Business

Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).

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Annual Sales

Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.

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Our Unique Loan Products

Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a financial product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw additional funds on an unlimited basis!

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Interest-Only Flex Pay Loan

We believe growing your business shouldn’t mean sacrificing your cash flow, and with our new Interest-Only Flex Pay Loan it doesn’t. It now allows you to quickly access from $50,000 to $750,000, low interest-only payments for up to 1 year. And now, it also carries an optional Line of Credit with unlimited draws for up to a year!

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Lines of Credit

With a Line of Credit from us, when opportunity knocks, business conditions change or unexpected expenses arise, your clients will be ready. It gives them 24-hour access to 5 separate loan drafts over a 6-month period. They can draw funds as needed and only pay for what they take!

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