A business line of credit.
A business line of credit gives your business a set amount you can draw on when you need it, pay back as revenue comes in, and draw on again. Sinai Capital funds lines of credit from $25K to $500K+, with money in your account in as soon as 24 hours after approval.
Applying does not affect your credit score.
The product
How a business line of credit works
Your business gets access to a set credit limit and draws from it when the need arises. You pay back what you draw, and the credit becomes available to draw on again. Owners choose a line of credit when costs come up unevenly and they want capital ready before they need it.
Use cases
A business line of credit for the business.
A one-time investment with a known cost, paid back as the business earns.
Cash flow gaps
Cover a slow week or a slow month without pausing operations.
Payroll
Meet payroll on the same schedule, even when receivables run late.
Inventory timing
Draw to restock ahead of demand, pay it back as the inventory sells.
Seasonal dips
Bridge a predictable low season and repay in the busy months that follow.
Short-notice opportunities
Move on a bulk buy or a discount without waiting on financing.
Who qualifies?
Businesses with steady monthly sales are the best fit. Approval is based on your monthly sales, not just your credit score, and credit scores as low as 580 can qualify. Revenue is verified with your last 4 months of business bank statements.
Common questions
Straight answers.
Sinai Capital funds business lines of credit from $25K to $500K+. The amount is sized on your monthly sales, verified with your last 4 months of business bank statements.
The mechanics are the same, the process is not. A bank underwrites your credit file at its own pace. Sinai Capital sizes the line on your monthly sales, and money can be in your account in as soon as 24 hours after approval.
Funds can be in your account in as soon as 24 hours after approval. The application itself takes minutes.
Credit scores as low as 580 can qualify for a business line of credit through Sinai Capital. Approval is based on your monthly sales, not just your credit score.
You need your last 4 months of business bank statements. They verify your revenue, and your monthly sales determine the offer.
See what your sales qualify for.
Sinai Capital funds $25K to $500K+, with money in your account in as soon as 24 hours after approval. Applying takes minutes and does not affect your credit.