Business Line of Credit with Lends Well

Apply in as little as 6 minutes and hear from a dedicated loan specialist within one hour.

Pay interest only on drawn funds

Rates as low as 10.99% APR 

Credit lines from $6,000 to $100,000

Applying won’t affect your credit score!*

Why a Business Line of Credit?

Lends Well and our network of partner lenders are here to help you find the financing your business needs to succeed. Business lines of credit are incredibly flexible as you can draw out funds when you need to, and only pay interest for the money you borrow. As you repay what you have drawn, your line of credit will be replenished and can be tapped again.

A business line of credit can be a good option for business owners who want to keep funds on reserve to cover the slow season or unexpected expenses, without having to break the bank.

Since 2011, Lends Well & Partners has helped businesses in over 700 industries access the capital they need.

Over $10 billion lent to 50,000 small businesses globally.

Pros and Cons of a Business Line of Credit


  • You only pay interest on the funds you draw out

  • You’re not required to borrow money

  • You can draw against your credit line multiple times without having to submit new loan applications


  • You may receive a high, variable interest rate

  • You’ll typically need a good credit score to qualify

  • The lender may lower your credit limit without warning

  • There could be various fees

Expected Fees

Here are some fees that may be associated with a business line of credit. The fees you’ll actually pay will depend on the lender partner you’re matched with, but you’ll always know what fees there are before accepting your offer.

  • Monthly maintenance fee: $20 monthly maintenance fee4 to cover the cost of servicing and processing your line of credit account.

  • Draw fees: 1.6% to 2.5% draw fee when you tap into your credit line.

  • Late payment fee: You may be charged a fee, such as 5% of the past-due amount, if you miss a payment after taking a draw.

If you apply for a business line of credit elsewhere, look for application, account opening and annual fees.


You deserve better business finance

Lends Well was created with a big idea: to revolutionize the outdated lending system and build a better deal for small businesses. With one 6 minute application we can help you find the right financing options for your needs, from lines of credit to term loans, cash advance and even Small Business Administration (SBA) loans.

Let's get started.


Start your online application

Apply online in 6 minutes with one simple application.


Review your options

Your dedicated Account Manager will contact you as soon as possible to review your needs and help you find the best funding option for your business.


Get funded

Get a decision in as little as 24 hours and funding as soon as the next day accepting an offer.

Business Line of Credit Frequently Asked Questions




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1 If your business is organized as a general partnership, your credit score may be impacted.

2 Eligibility for the lowest rates is very limited, available only to businesses with the strongest creditworthiness and cash flows, and typically businesses that have shown an excellent payment history on prior

loan products with partner lender(s).


3 Approval and funding times may vary by lending partners.


4 Fee is waived for 6 months if a $5,000 initial draw is made within 5 days of opening account.