A revolving credit line for any business need. Draw what you need, repay when you can, and draw again on your terms.
A Line of Credit is a revolving working capital facility: Drip Capital approves a limit you can draw from whenever you need cash, then repay and draw again. You only pay for what you use, and the credit frees up as you repay. It is built for the recurring, unpredictable cash-flow gaps that one-time loans do not fit.
Once you're approved and set up on the Drip Capital portal, here's how it works.
You decide how much you need from your approved credit line.
You request it on Drip Capital's portal and within 24 hours the funds are credited to your account.
You repay what you drew over the agreed term, and your credit line frees up to use again.
After a one-time 48-hour credit check, your line is always available. Draw funds within 24 hours anytime through our portal, with no need to reapply.
Interest only accrues on your outstanding drawn balance. If you don't draw, you don't pay. No commitment fees on unused credit.
Your credit limit isn't static. As your business grows and your trade history with Drip Capital builds, your limit grows with you.
Each draw is repaid in 6 equal monthly installments; easy to budget for, with no balloon payments or surprises.
You need cash for payroll, rent, or other running costs.
A time-sensitive deal comes up and you need cash quickly.
Revenue dips for a season and you need to keep things running.
Flexible capital that grows with your business.
| Feature | Drip Capital | Bank Credit Line | MCA / Alt Lender |
|---|---|---|---|
| Credit Decision Speed | 48 Hours | 4–8 Weeks | 1–3 Days |
| Collateral Required | None | Yes (Assets) | Sometimes |
| Draw Flexibility | On demand, any amount | Subject to review | Fixed advances |
| Bank Deposit Required | No | Yes | No |
| Facility Growth | Grows with you | Annual review | Transaction-based |
| Dedicated Account Manager | Yes | Sometimes | Rarely |
A Line of Credit is a revolving facility you draw from whenever you need cash, then repay and draw again. You only pay interest on what you have drawn, and the credit frees up as you repay.
A term loan is a lump sum repaid on a fixed schedule. A Line of Credit is flexible: draw what you need when you need it, repay, and the funds become available again. It fits recurring or unpredictable cash-flow gaps rather than one-time costs.
Anything your business needs: payroll, rent, inventory, supplier payments, a time-sensitive deal, or bridging a slow month. It is general-purpose working capital.
No hard-asset collateral. Drip Capital underwrites your trade performance, cash flow, and financial health rather than requiring you to pledge real estate or equipment.
Each draw is repaid in six equal monthly installments, so repayments are predictable with no balloon payment at the end. You only pay for what you draw.
Facilities typically range from $50,000 to $3 million depending on your revenue and trade activity. After a one-time credit decision of about 48 hours, draws are funded within 24 hours, on demand.
Get approved for a Line of Credit and have working capital on standby. Draw only when you need it, pay only for what you use.