Lines of Credit

One of the most significant challenges for small businesses busy today is having access to capital within a moments notice. Our line of credit addresses this issue by offering working capital funds that can be drawn and paid back on a revolving basis. Once approved, log into your online account and draw funds as your business needs, simply by clicking a button. The funds will become available again as the account replenishes with every payment. There are never any maintenance fees or origination fees. Moreover, the line will grow with your business!

The process is simple! When an unexpected bill, purchase, or growth opportunity arises, simply log in to your account and receive funds in hours. No hassle! No waiting! No application! You control the funds because you know what is best for your business.

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3-24 Months

Revolving Line

Only Pay on Your Outstanding Balance and Not Your Loan Amount


Completely Unsecured with NO Collateral Needed

Frequently Asked Questions

How is qualification for a line of credit determined?

Qualification is determined upon review of several factors. Some of the factors we consider will include, but not be limited to, the cash flow of your business, your industry and the strength of your customer base. We do look at both personal and business credit, but this is used to a lesser degree as a determining factor. Keep in mind, we work with a large spectrum of clients and your credit does not have to be perfect, as many of our clients have strong businesses with below-average credit.

Are there termination fees if I want to leave?

We would hate to see you go but if you must, there is no termination fee charged. As long as there is no outstanding balance, you can stop using your line a credit at any point with no penalties and no fees

What is a business line of credit?

A business line of credit is a funding line that gives your business an opportunity to access capital whenever you want, and up to your approved credit limit. Redwood Commercial Finance offers “revolving credit that replenishes for access with every payment. This is greatly different one of those one-time merchant cash advances or a traditional cash flow loan, both of which are non-revolving

How does repayment work?

Monthly and weekly repayment programs are available. The payments will be automatically debited from your bank account. As long as you keep sufficient funds in your bank, your payments will process without you needing to worry about anything.

How does repayment replenish my available credit?

Your line of credit will replenish as you repay a draw, with the principal portion of your payment (paid fees do not replenish the account) being added back to your available credit. In other words, if you have a weekly payment of $150 with $10 in fees, your available credit will increase by $140 after your payment is processed.