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Funding Program

Lines of Credit

Revolving access to capital — from $25K interest-only lines to $1.5M unsecured programs.

Overview

How It Works

Lendadex offers four distinct line of credit products designed for different business sizes and needs. The 36-Month Unsecured LOC provides up to $1.5M in revolving capital with industry-specific programs. The Revolving LOC offers unlimited access with no cap. The Interest-Only LOC keeps payments low on $25K–$150K. For high-revenue businesses ($2.5M+ annual gross), the Bank/Hedgefund LOC delivers custom-structured capital for large-scale growth.

Key Benefits

Why Choose Lines of Credit

Draw on Demand

Access funds whenever you need them — transfer to your bank account within hours with no reapplication required.

Pay for What You Use

Interest accrues only on the outstanding drawn balance, not the full credit limit.

Revolving Access

As you repay, your available credit restores automatically. Borrow, repay, and borrow again without reapplying.

Four Product Options

36-Mo Unsecured, Revolving, Interest-Only, and Bank/Hedgefund — each structured for a different business profile and revenue level.

Rates & Terms

The Details

36-Mo Unsecured LOC — Max$1.5M · Up to 75% of annual revenue · 12–25% APR
36-Mo Unsecured — Terms12-mo revolving period · 36-mo amortization · 2–20 business days
Revolving LOC — MaxNo limit · 0.55–4.5% monthly rate · 6–24 month payback
Interest-Only LOC$25K–$150K · Prime + 2–10% · Monthly interest-only payments
Bank / Hedgefund LOC$2.5M+ revenue required · Custom terms and structure
Payment FrequencyWeekly or Monthly
Closing Time2–20 Business Days

Rates and terms are representative ranges. Your actual offer will be determined by the matched lender based on full underwriting.

Qualifications

What You Need to Qualify

Time in business: 1+ year
Personal credit score: 645+ (program floor)
Annual revenue: $100,000+
Last 6 months of bank statements
Strong cash flow with minimal NSFs
36-Mo Unsecured LOC: Up to 75% of annual revenue, $5,000 initial draw to activate
Bank/Hedgefund LOC: $2.5M+ annual gross revenue required
Process

The Lines of Credit Process

01

Apply

Submit your application with business and revenue details. Our AI analyzes your eligibility and identifies which LOC product fits your profile.

02

AI Lender Match

Our system matches you with line of credit providers ranked by credit limit, rate, and approval probability.

03

Approval & Setup

Choose your best offer and your credit line is established. No funds drawn yet — no cost yet.

04

Draw & Repay

Draw funds whenever needed. Repay on schedule and your available credit restores automatically for future use.

FAQ

Frequently Asked Questions

Ideal For

Businesses that experience revenue fluctuations, need ongoing working capital access, or want a financial safety net without reapplying for financing each time.

Ready to Get Lines of Credit?

Apply in 5 minutes. Our AI matches you with the best lenders for lines of credit. Soft credit check only — zero impact to your score.

Begin Your Application