Business Line of Credit — The Capital You Need, When You Need It, On Your Terms

Access up to $250,000 through a flexible business line of credit to cover payroll, materials, or growth opportunities—without the delays and restrictions of traditional loans.

How a Line of Credit With CapEx Works

A line of credit lets you access working capital on demand. We match your limit and terms to your revenue, cash-flow rhythm, and contract timing—so you can draw funds when you need them and focus on getting the job done.

Apply (5–10 minutes)

Tell us about your business, monthly revenue, time in business, and what you’ll use the credit line for—materials, payroll, deposits, or bridging project costs.

Get Approved (Same Day)

We review your information and set your credit limit and terms. You’ll know your available line and draw options quickly—without the back-and-forth.

Draw Funds (As Soon As 24 Hours)

Access funds when you need them and only pay for what you use. Repay and redraw as projects progress to keep crews, materials, and milestones on schedule.

How Our Customers Are Leveraging Their Line of Credit

Managing Cash Flow and Growth with Flexible Funding

Cover payroll and manage upfront hiring costs with a simple, affordable credit line. Pay back early at your convenience—with no penalties.

Handle seasonal slowdowns or large cash outflows without stress. A business line of credit gives you predictable access to funds when you need to cover fixed expenses.

Keep the lights on and your operations running smoothly. Flexible funding ensures steady access to capital for recurring business expenses.

Buy in bulk or restock quickly when demand spikes. Access a credit line for short-term working capital and keep your supply chain moving.

Be prepared for the unexpected. Use your line of credit as a financial safety net to cover repairs, project delays, or cash-flow gaps.

Fund marketing campaigns, product launches, or expansion projects. Revolving credit gives you flexible access to capital to grow with confidence.

Strengthen your business credit history while accessing working capital. Responsible use of your line of credit helps you qualify for higher limits over time.

Handle equipment repairs or short-term rentals without delaying operations. Draw from your credit line and keep projects on schedule.

Keep vendors and suppliers happy by paying on time. Our working capital solution helps you stay current with payment obligations.

Access funds anytime to handle cash-flow fluctuations or seize new opportunities. Learn how a CapEx Resources line of credit can support your next move.

Calculate Your Line of Credit Payment

Line of Credit
Draw amount
$250,000.00
10K 250K
Payoff period
12 months
1 12
Details
Credit limit
$250,000.00
Term
12 months
Sample Draw
$250,000.00
Fee (2.49%)
$6,225.00
Disbursed amount
$243,775.00
Daily finance charges
0.0722%
Weekly payment
$0.00
Cost of capital
Finance charges paid
$0.00
Payback
$0.00
Monthly finance cost*
0.00%
Annual finance cost*
0.00%
* The cost of finance is calculated based on the finance charges paid over the life of the loan, assuming an organic repayment.
PAYMENT SCHEDULE
Date Amount Principal payment Interest payment Balance Total interest cost
The information provided on this page is an estimate only. Calculations assume that all payments are made when scheduled and there are no additional payments toward principal. Actual payment amount and dates may vary.
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Based on 72 reviews
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Richard Showmaker profile picture
Richard Showmaker
17:37 07 Apr 26
Scott Dube handle our account with CapEx, knowing he would be there every step of the way, made the experience easy!
Matt Gibson profile picture
Matt Gibson
00:49 04 Apr 26
Scott was very responsive and handled everything with ease! Highly recommend! This is my Second time with Scott on getting financing and we will continue to use his services at capEx in the future
Karen Dole profile picture
Karen Dole
15:38 03 Apr 26
The team at CapEx Resources was fast efficient and helpful! Would recommend Adam and Jake!!
Sep Jahed profile picture
Sep Jahed
21:40 31 Mar 26
Great experience working with this team. They reviewed the overall process and quickly provided an offer with extremely fair terms. Funding was seamless. Highly recommended.
Elizeu Miranda profile picture
Elizeu Miranda
14:55 31 Mar 26
Highly qualified professionals for working in the financial market. Approved and recommended.
Kenny Dixon profile picture
Kenny Dixon
02:41 18 Feb 26
Capex Resources was one of the most professional and efficient organizations I have ever worked with for equipment financing. I would highly recommend Capex. We worked with Jake Ford, Sr. Business Advisor, and he was quick to answer all my questions, walk me through the process, and get our financing in order in no time.
Lindsay Maguire profile picture
Lindsay Maguire
23:47 29 Jan 26
Had a great experience working with CapEx Resources. Ryan was knowledgeable, responsive, and straightforward, which made the process easy and efficient. Really appreciated the clear communication and follow through. Highly recommend!
Keith Murphy profile picture
Keith Murphy
20:22 23 Jan 26
I had the pleasure of dealing With Ryan, he was extremely helpful and patient. We were able to get financing in place for two new machines. I would have no problem working with Ryan again in the future.
Ryan Matson did a fantastic job for us! He was always on top of everything and made our financing of our new equipment very easy and done fast. I highly recomend usiing CapEx Resources yoiu will be very pleased.
Attitude Fashion profile picture
Attitude Fashion
21:51 15 Jan 26
I am very satisfied with doing business with them because they are fast and professional. Diego Nico is the man, he was my contact, I recommend him 100%.
Gerold Shelton profile picture
Gerold Shelton
21:37 15 Jan 26
Jake was great to work with, it did require a bit of work on my end but ai was working on a line of credit vs just a regular loan.
Juan Mercado profile picture
Juan Mercado
20:54 15 Jan 26
Karla Linhares profile picture
Karla Linhares
19:45 05 Jan 26
Adam was extremely helpful and available to answer any questions we had thru the entire process. Very quick to respond to our message in the rare case that we did not reach him directly. I'm glad we made the jump from PEAC to his team at CapEx.
James T profile picture
James T
15:56 26 Nov 25
Find Ryan, speak to Ryan, he's the man. He will relentlessly search for your funding needs. New business he's got you. In my case, in business a decade I just never financed anything. Very difficult to get what you need on decent terms. Ryan made it happen. I have a list 50+ text between the 2 of us and several phone calls. He will get you the capitol you need. More so after funding, he's still there, making sure it's proceeded correctly. My new go to when I need funding.
Stephen Henriques profile picture
Stephen Henriques
21:04 12 Nov 25
Wonderful group of people. I really did my research to find a hometown feel type of customer service experience and ...... I found it.
When it comes to my personal information and my finances I am really guarded and make sure I know what I am signing up for.
CapEx (Ryan) has been amazing to work and speak with as I figured out what I could do and was able to do to help fund my company.
Jonathan Marr profile picture
Jonathan Marr
14:53 06 Oct 25
I have purchased multiple assets in the last few years and I have been using Capex. Jake is great to deal with and he is always responsive and I have never had any problems with financing through them. They offer very competitive rates and I plan to use them again in the future.

Frequently Asked Questions About Business Lines of Credit

If you’re exploring a business line of credit, understanding how cash flow and short-term financing work can make all the difference. The U.S. Small Business Administrationnotes that maintaining steady access to capital is essential for small businesses managing expenses and growth opportunities.

At CapEx Resources we make that process simple—helping business owners access flexible lines of credit designed to keep operations moving smoothly.

What is a business line of credit?

A business line of credit is a flexible financing option that gives you access to funds up to a set limit. You can draw what you need, when you need it, and only pay interest on what you use.

Most CapEx Resources applicants receive approval within 24 hours once all required information is submitted.

No. Checking what you qualify for does not impact your credit score. We use a soft credit inquiry to review your eligibility.

A traditional loan gives you a one-time lump sum, while a line of credit lets you borrow, repay, and borrow again — like a revolving safety net for your business.

You can use your line of credit for payroll, equipment, materials, marketing, or any expense that helps your business operate or grow.