Overview
A cushion, not a one-time loan
Unlike a term loan, a line of credit isn't meant to be fully drawn and repaid once — it's ongoing access to capital that sits in reserve until you need it. Interest accrues only on what's outstanding, and as you repay, that capacity becomes available again.
Lines of credit are typically renewed annually and reviewed based on your business's ongoing financial performance. We help you secure a line sized for your real seasonal swings — not just what a lender is willing to offer on the first pass.
Ideal for
- Seasonal cash flow gaps between revenue cycles
- Inventory purchases ahead of peak season
- Bridging payroll or operating expenses during slow periods
- Jumping on opportunistic deals or bulk-purchase discounts
- Businesses that want a standing capital cushion, not a fresh application every time
At a Glance
Typical deal parameters
General ranges — line size is driven by revenue, cash flow, and AR/AP profile.
A current AR aging report speeds up approval significantly for revenue-based lines.
Why LendHaven
Sized for your real cash flow cycle
Bank and alternative lines of credit have very different qualification bars and costs. We help you understand the tradeoff and size a line that actually covers your seasonal swings instead of leaving you short mid-cycle.