Line of Credit
Business Line of Credit
Flexible, revolving capital — draw what you need, when you need it.
A BAMFS Line of Credit gives your business a pre-approved credit limit you can tap into anytime. Only pay interest on the amount you draw — perfect for managing cash flow gaps, seizing inventory opportunities, or handling unexpected expenses.
Amount
$25K – $500K
Term
6 – 24 month draws
Funding
Same-day draws
Best for
- Seasonal or fluctuating cash flow
- Inventory purchases & restocking
- Bridging A/R gaps
- Unexpected expenses & emergencies
Why choose this product
Pay only for what you use
Interest accrues only on drawn balances — your unused credit costs you nothing.
Revolving access
As you repay principal, your available credit replenishes. Draw again whenever you need it.
Fast draws
Once approved, request funds online and see them in your account, often the same business day.
Basic qualifications
Meet these criteria and you're well-positioned to qualify. BAMFS reviews each application holistically — call us if you're unsure.
- Time in business: 12+ months
- Monthly revenue: $20,000+
- Personal FICO: 625+ preferred
- U.S.-based business with consistent deposit history
How it works
Apply once
Submit one application to establish your BAMFS credit limit — no fee to apply or maintain.
Get approved
Receive your credit decision and limit within 1–2 business days.
Draw anytime
Request funds online whenever you need them. Repay on a schedule, and your credit refreshes.
Frequently asked questions
Is there a fee to keep the line open?
BAMFS does not charge a monthly maintenance fee on unused balances. You only pay when you draw.
How is a line of credit different from a term loan?
A term loan gives you all the funds upfront with a fixed payment. A line of credit is revolving — you draw as needed and pay interest only on drawn amounts.
How quickly can I get money after a draw?
Approved draws typically arrive in your account the same business day, sometimes within hours.
Can my credit limit increase over time?
Yes. Strong repayment history and growing revenue often qualify BAMFS clients for limit increases after 6 months.
Ready to move forward?
Pre-qualify in minutes — no impact to your credit.