Home›Products›Loans & Lines of Credit

Loans & Lines of Credit

Flexible, revolving access to capital — draw what you need, pay interest only on what you use.

A business line of credit is approved up to a set credit limit and you draw and repay funds as needed, paying interest only on the amount actually used. Unlike a term loan, a line of credit is revolving — once you repay what you've drawn, those funds become available again.

Key Advantages

Pay interest only on the amount drawn
Revolving — repaid funds immediately available again
No collateral typically required
Available to businesses with less-than-perfect credit
Flexible — use funds for any legitimate business purpose

Common Questions

Frequently asked about Loans & Lines of Credit.

A term loan gives you a lump sum upfront with fixed repayments. A line of credit lets you draw only what you need, repay it, and draw again — you pay interest only on what you actually use.

Yes. RFR Capital lines of credit have no spending restrictions. Use them for inventory, payroll, emergency expenses, or any other business need.

Once your line of credit is established, funds are typically accessible within 24 hours. Subsequent draws are usually processed the same business day.

Loans & Lines of Credit

Key Advantages

Frequently asked about Loans & Lines of Credit.

Ready to apply for Loans & Lines of Credit?