We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
A business line of credit is still one of the cleanest tools for managing uneven cash cycles. You draw when needed, repay, and reuse. The problem is not access in theory. The problem is fit. Wrong structure means avoidable fees, weak renewal terms, and cash pressure right when operations need flexibility.
This guide compares the strongest line-of-credit lanes in the U.S. market for 2026 and shows how to pick by underwriting reality, not ad copy. If you need a lender-ready package and placement support, review our advisory scope and process.
Application depth, documentary burden, collateral ask, and guarantor pressure.
Rate basis, floor mechanics, annual fees, draw fees, and repayment cadence per draw.
Time from submission to usable facility and how fast you can access funds after approval.
How stable the line is for ongoing operations, not only first draw convenience.
| Provider | Facility Type | Published Signal | Best Fit | Key Watch-Out |
|---|---|---|---|---|
| Wells Fargo BusinessLine® | Unsecured revolving line | Typical limit band around lower six figures, prime-based spread pricing | Established businesses that want a mainstream bank line and overdraft support options | Personal guarantee expectations and annual fee schedule after year one |
| Wells Fargo Prime Line | Secured revolving line | Higher limit range available for qualified files, secured by business assets | Companies needing larger working capital headroom with asset support | Heavier documentation and collateral package |
| Bank of America Unsecured Line | Unsecured revolving line | Entry-level limits available for operating cash-flow usage | Operators seeking line flexibility without pledged collateral | Credit profile quality still drives approval and pricing |
| Bank of America Secured Line | Secured revolving line | Higher starting thresholds on secured lines with asset-backed structure | Borrowers comfortable pledging a blanket lien or deposit collateral | Collateral discipline and covenant compliance |
| U.S. Bank Cash Flow Manager | Secured or unsecured revolving line | Online path with published funding threshold and annual fee tiers by line size | Firms prioritizing speed and transparent annual fee bands | Guarantee and underwriting policy still apply |
| American Express Business Line of Credit | Commercial line with draw-level repayment structures | Published line-size band from low four figures into mid six figures | Businesses already operating with steady deposits and documented monthly revenue | Eligibility screens and secured/guarantee conditions |
| Bluevine Line of Credit | Fintech-originated revolving line | Published maximum around mid six figures with fast digital workflow | Teams that value speed, online UX, and frequent smaller draws | Program economics can differ from bank lines over long holding periods |
| SBA 7(a) Working Capital / CAPLines via participating lenders | Government-guaranteed working capital line structures | Higher upper limit potential with program-specific use cases | Borrowers needing larger capacity and willing to run full SBA process | Timeline and paperwork load are heavier than most fintech products |
Digital lenders can win on turnaround, especially for recurring payroll, inventory top-ups, and ad-spend bridging.
Bank lines and SBA-backed facilities tend to suit larger, recurring working capital cycles where renewal risk matters.
Focus on unsecured tracks first, then build toward larger secured lines once financial statements and cash conversion improve.
Asset-backed working capital structures can price better when reporting is clean and borrowing base controls are solid.
We help borrowers package lender-ready files with stronger underwriting narrative, cleaner document sequencing, and realistic facility sizing. That improves decision quality and cuts avoidable declines. If your business needs a structured process before lender routing, use our process overview and submit a file for review.
Share your current revenue profile, requested limit, and timing. We will map the right lender lane and documentation path.
Submit Your DealNo. Unsecured may close faster, yet secured lines can deliver stronger capacity and pricing once collateral reporting is bankable.
Set size from working capital cycle math, not vanity numbers. Borrowing should match receivables, inventory turns, and seasonal peaks.
Yes, in many cases. Lenders still look at total contingent exposure, guarantee stacking, and cross-default language.
Usually yes, since documentation and process are more detailed. The tradeoff is potential capacity and credit support.
Weak use-of-proceeds logic, inconsistent financials, thin bank-statement quality, and poor guarantor credit hygiene.
When draws are frequent, utilization is persistently high, and reporting quality can support asset-backed or bank-scale underwriting.
Informational only. Financing outcomes depend on underwriting, lender policy, credit profile, legal review, and compliance checks. Terms and availability change by lender and jurisdiction.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
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Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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