Smoothing cash flow
Cover payroll, rent, and suppliers during the gap between billing and getting paid.
Business Line of Credit
Reusable, draw-when-you-need-it capital you only pay for when you use it.
Amount$5,000 – $250,000
Typical termRevolving, 6–18 mo draws
Funding speedAs fast as 24 hours
What it is
How line of credit works for you
A business line of credit is a revolving pool of capital you can draw from whenever you need it — and unlike a term loan, you only pay interest on the balance you actually use. Draw funds to cover a payroll run or an inventory deal, repay as cash comes in, and the full limit is available to draw against again.
It is the most flexible product Quartz offers. There is no lump-sum disbursement to manage and no pressure to deploy capital you do not yet need. Your approved limit simply sits ready, so the next cash-flow gap or opportunity never catches you short.
Best for
When it's the right fit
Seizing inventory deals
Jump on bulk pricing or a supplier discount without draining your operating account.
Handling the unexpected
A broken-down truck or an emergency repair never has to wait for financing.
Funding growth in stages
Draw what a project needs as it needs it, instead of borrowing the whole budget up front.
How it works
From application to funded
1
Apply in minutes
Submit a short application and connect three months of business bank statements — no hard credit pull to see your limit.
2
Get your limit
We review your real cash flow and set a revolving limit, usually within 24–48 hours.
3
Draw as you need it
Transfer any amount up to your limit to your bank account, often the same day.
4
Repay and reuse
Pay down the balance on a simple schedule and your available credit replenishes automatically.
Rates & terms
The numbers, in plain sight
Every offer is quoted with the full cost up front — no hidden fees, no confusing fine print. Your exact rate and term depend on your business profile and our underwriting.
Eligibility
What you'll need to qualify
Most businesses that meet our three baseline criteria can qualify. Stronger profiles unlock larger amounts and better pricing.
Soft check to start
Seeing your options never affects your credit score — we only run a hard pull once you choose to move forward on a specific offer.
Why businesses choose it
The benefits
Pay only for what you use
Interest accrues on your drawn balance, not your full limit — idle credit costs you nothing.
Instant access
Once approved, draws hit your account in as little as a few hours.
Replenishing capital
Repaying restores your available credit, so the line works for you again and again.
No prepayment penalty
Pay down early whenever cash allows and stop the interest clock immediately.
Popular with
Industries that rely on this
Good to know
Frequently asked questions
No. The limit is a ceiling, not an obligation. Draw $4,000 against a $50,000 line and you only pay interest on the $4,000.
There is no charge for credit you do not draw. Some lines carry a small monthly maintenance fee, which we always disclose before you sign.
Most draws are transferred the same business day, and often within a few hours of the request.
Yes. As your revenue grows and you build a repayment history with us, you can request a limit increase at any time.
Related funding
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Start your application in minutes. Checking your options is free and never affects your credit score.