Financing Solutions
Business Lines of Credit
On-demand access to capital whenever you need it. Draw only what you need, repay on your schedule, and your credit replenishes as you pay it down. The most flexible financing tool for managing cash flow and seizing opportunities.
Capital On Demand — Always Within Reach
A business line of credit is the most flexible financing tool available. Unlike a term loan where you receive a lump sum and start paying interest immediately, a line of credit lets you draw only what you need, when you need it — and you only pay interest on what you've drawn.
As you repay your draws, your available credit replenishes — giving you a revolving source of capital that's always ready when opportunity or necessity arises. With credit limits from $25,000 to $1,000,000, a Rock Harbor line of credit is the financial safety net every business should have.
At a Glance
Loan Amounts
$25,000 – $1,000,000
Terms
12 – 36 months (revolving)
Time to Fund
As fast as 3–5 business days
Collateral
Varies by credit limit
Common Uses
How Businesses Use This Financing
Cash Flow Management
Bridge gaps between receivables and payables, cover slow periods, and keep operations running smoothly.
Opportunity Capital
Move fast on bulk inventory deals, new contracts, or time-sensitive business opportunities without waiting for approval.
Seasonal Fluctuations
Draw during slow seasons and repay during peak periods — your line flexes with your business cycle.
Emergency Buffer
Have capital available for unexpected expenses, equipment repairs, or urgent operational needs.
Qualifications
General Requirements
Time in Business
12+ months preferred
Annual Revenue
$150,000+
Credit Score
620+ preferred
Documentation
3–6 months bank statements, basic business info
Requirements are general guidelines. All applications are reviewed individually.
Ready to Open Your Line of Credit?
Apply in minutes and get access to revolving capital that grows with your business.
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