Business Line of Credit — Flexible Working Capital You Control
A business line of credit is breathing room. You’re approved for a limit, and you only draw what you actually need — payroll, materials, vendor deposits, marketing spend, emergencies. You pay interest on what you use, not on the full limit.
This is not payday money. This is a revolving, reusable working capital line designed so you can survive swings, grab opportunity, and not choke cash flow waiting on slow payers.
Draw. Use. Pay down. Repeat.
We are not a bank. We do not offer consumer personal loans. All programs require underwriting, verification, and compliance review. Nothing here is an approval or guaranteed offer.
$150,000
How a Business Line of Credit Actually Works
A line of credit is not one lump sum like a term loan. It’s a revolving limit you tap when you need it. You only pay for what you pull.
If payroll is tight, pull $20K. If you need materials to fill a new order, pull $8K. You don’t have to take the full limit.
Cover vendor deposits, bridge slow receivables, unlock marketing spend when you need to move fast instead of waiting to get paid.
When you pay down what you used, that portion becomes available again. It’s reusable working capital, not a one-and-done loan.
LOC structures vary. Some have interest-only periods, some require scheduled paydowns, some recalc limits monthly. Nothing here is a quote or guarantee.
Line of Credit vs. Stacking Cash Advances Reality Check
Not every file qualifies for a revolving LOC. In some cases you truly only qualify for MCA-style products. We’ll tell you honestly which bucket you’re in instead of wasting time.
Underwriting Snapshot — What We Look At Full Review
A real underwriter reviews whether your business can responsibly handle a revolving balance without blowing up liquidity. This is not “instant yes” money. It’s still credit.
We’re looking for consistent revenue, not just one spike. Slow weeks are fine — chaos is not.
Repeated “$12.47 in the account” days are a problem. Stable operating cash is a positive sign.
You can have a bad day. You can’t have a bad pattern. Chronic NSFs will absolutely get noticed.
If you’re already carrying multiple daily/weekly payments, that’ll cap your limit or block the file.
12+ months operating helps. Younger companies can still qualify, but limits are often smaller and pricing is tighter.
We verify who actually controls the company. Entity docs, ID, real ownership — compliance has to be clean.
All approvals are subject to verification, lien review, and compliance. We operate in good-faith alignment with Regulation D, Rule 506(c) where applicable and with Florida and other state “Blue Sky” notice practices. Nothing in this section is an approval, quote, or guaranteed commitment to lend.
Compliance & Regulatory Notice
Cheetah Capital Finance LLC conducts only commercial financing programs. Nothing on this page is personal financial advice, tax advice, or legal advice. We are not a bank, and we do not offer consumer personal loans. All programs are subject to underwriting, documentation, verification, lien review, and compliance approval. Nothing here is an approval, offer, or guaranteed commitment to lend.
Nothing here should be interpreted as an offer to sell securities or a solicitation of an offer to buy securities. Any future investor participation opportunities — for example, accredited investors participating in certain funding pools or note structures — would only be offered under Regulation D, Rule 506(c) of the Securities Act of 1933, exclusively to verified accredited investors, and only through formal offering documents after independent accreditation verification. We align in good faith with federal securities law and applicable state “Blue Sky” requirements, including Florida notice filings where required.