Business Line of Credit
Revolving capital that moves with your business.
A business line of credit gives you ongoing access to capital up to your approved limit – without reapplying every time you need funds. Draw what you need, repay it, and it’s available again. Built for high-risk industries with collateral-backed security for better rates and higher limits.
Revolving
Draw, Repay, Draw Again
24-48hr
Fund Access After Approval
Scalable
Limit Grows With Collateral
Free Consultation
Let's find the right credit line for your business.
Revolving
Draw, repay, draw again
Better Rates
Collateral-backed security
24-48hr
Access to approved funds
Scalable Limits
Grows with your collateral
Your Credit Line - How It Works
You are approved for a set credit line based on your business's financial profile. No assets pledged, no collateral.
Draw what your business needs - all at once or in increments. Interest applies only on the drawn amount.
Make monthly payments based on drawn balance and accrued interest. No fixed repayment on unused credit.
As you repay, funds become available again. No reapplying - the line revolves on its own.
As your collateral value grows, your credit limit can increase to match - providing more capital as your business expands.
What Is It
On-demand capital without starting over each time.
A business line of credit is not a one-time loan. It is a revolving credit facility – you draw funds when you need them, repay on a monthly schedule, and those funds become available again automatically.
The collateral backing – inventory, equipment, receivables, or real estate – allows lenders to offer higher limits and lower rates than unsecured products. It is a practical structure for businesses that need ongoing working capital access rather than a single lump sum.
Green Financial specializes in high-risk industries. Your industry classification is not an automatic disqualifier here – what matters is that you have eligible collateral and a legal, operating business.
Eligible Collateral
What can be used to secure your credit line.
Common collateral types include business assets your company already owns. The type and value of collateral determines your credit limit and the rate terms available.
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Inventory
Product stock, raw materials, and finished goods. Value is assessed based on current market pricing and salability.
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Equipment and Machinery
Manufacturing equipment, commercial vehicles, and other business machinery. Value based on age, condition, and market comparables.
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Accounts Receivable
Outstanding invoices from creditworthy customers. Often the most liquid collateral type, with advance rates of 70-90%.
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Commercial Real Estate
Business-owned commercial property. Typically used for larger credit lines where other asset types may not cover the full limit needed.
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Mixed Collateral
Combinations of the above. Many businesses use a blend of inventory, receivables, and equipment to maximize their available credit limit.
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Not Sure What You Have?
Contact us. Our team will assess your business assets and identify what qualifies as collateral for your credit line.
Benefits
Seven reasons businesses use a collateral-backed line of credit.
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Built for High-Risk Industries
Green Financial specializes in financing for cannabis, CBD, kratom, smoke shops, firearms, and other high-risk sectors that standard lenders consistently turn down.
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Competitive Rates and Terms
Collateral backing reduces lender risk, which translates to lower interest rates and more favorable repayment terms than unsecured products - structured around your revenue cycles.
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Revolving Credit Access
As you repay, funds become available again. Ongoing access to capital as your business grows - without reapplying each time you need to draw.
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Higher Credit Limits
Collateral-backed lines typically carry higher limits than unsecured products - because the lender has security backing the amount advanced.
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Quick and Efficient Approval
Green Financial's high-risk industry expertise means a faster review process than standard lenders. Less back-and-forth, fewer delays, faster access to capital.
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Supports Operational Growth
Whether you need to finance inventory, expand to a new location, or cover operating expenses during a growth phase - the capital is available when you need it.
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Dedicated Support
Our team guides you through the process and stays available as your line evolves - helping you manage drawdowns, repayments, and limit increases over time.
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Scalable as You Grow
As your collateral value increases, your credit limit can grow with it. Built-in scalability so your financing keeps up with your operations without starting over.
Secured vs. Unsecured
Collateral-backed or unsecured - which fits your situation?
Both are lines of credit – the key difference is collateral. Green Financial offers both.
Collateral-Backed
Lower interest rates – collateral reduces risk, which reduces your cost.
Higher credit limits – amounts backed by asset values, which can be substantial.
Scalable capacity – limit grows as collateral value grows.
Assets pledged – lender can claim collateral if repayment fails.
Documentation required – asset valuations needed to establish the line.
Good for businesses with inventory, equipment, or receivables to leverage.
No Collateral Required
Higher rates – no collateral means more risk for the lender.
Typically lower limits – based on creditworthiness rather than asset value.
No assets at risk – nothing pledged if you hit a difficult period.
Faster to set up – no asset valuations or collateral documentation required.
Good for businesses without significant assets, or those preferring not to pledge them.
Also available – see details here.
FAQ
Business line of credit questions.
What is a business line of credit?
Does this require collateral?
What types of collateral are accepted?
What are the benefits of collateral-backed credit?
How does repayment work?
How quickly can I access funds after approval?
Other Funding Options
Not the right fit? Explore other options.
Green Financial offers six different funding products. If a business line of credit is not the right structure, one of these may be.
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Unsecured Line of Credit
No collateral needed. Revolving access to capital based on creditworthiness.
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Asset Based Lending
Use assets as collateral for a term loan - good for larger capital needs.
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AR Financing
Turn unpaid invoices into working capital - get 70-85% of invoice value within 24-48 hours.
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Equipment Financing
Acquire equipment with little to no down payment. Own it when paid off.
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Merchant Cash Advance
Fast lump-sum capital repaid as a percentage of daily card sales.