A working capital line of credit is a type of flexible funding meant to cover your business’s ongoing operating expenses, like inventory, supplies, utilities and payroll services. You can also use other types of business financing for working capital expenses, like an SBA 7(a) loan or a short-term business loan.
Best Working Capital Lines of Credit in 2026
We compared LOCs to find the best options for common working capital needs. For personalized results, get matched from LendingTree's network of 30+ business lenders.
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Updated on:
December 30, 2025
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Best for: Lower-revenue businesses – American Express Business Line of Credit
User ratings coming soon
$2,000 - $250,000
12 months
6 - 24 months
660
Pros
- Quick application process
- No application, origination or prepayment fees
- Low monthly revenue requirement
Cons
- Must link a business bank account to determine eligibility
- Requires a personal guarantee
- Credit lines above $150,000 only available to select borrowers
Why we picked it
Many working capital lines of credit impose high annual revenue requirements, but the American Express Business Line of Credit only requires $36,000 in annual revenue, making it a fit for lower-revenue businesses. Plus, the streamlined application process takes just minutes to complete and provides up to $250,000 in flexible funding that you can draw from on an as-needed basis.
If you have an American Express Business Line of Credit business credit card, check your account to see if you’re eligible for a prequalification offer for the business line of credit. Note that you’ll be on the hook with a personal guarantee if your business fails to repay the debt and that each draw on the line of credit counts as its own installment loan, which comes with a separate monthly fee attached.
Read our full American Express Business Line of Credit Business Line of Credit review.
How to qualify
In order to qualify, you’ll need to meet American Express’s criteria of:
- Minimum credit score: 660
- Minimum time in business: 12 months
- Minimum annual revenue: $36,000
KeyBank: Best for SBA line of credit
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services.
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services.
$10,000 to $500,000
3 years
12 months (Revolving)
Not specified
Pros
- High maximum borrowing amount
- Interest-only payment options
- Secured and unsecured LOC options available
Cons
- Doesn’t disclose interest rates
- Doesn’t disclose eligibility requirements
Why we picked it
Banked by the Small Business Administration (SBA), KeyBank’s SBA line of credit offers a solid option for small business owners who are unable to qualify for traditional bank financing. It offers loan amounts up to $500,000, which is larger than many other lenders on this list. Plus, as an SBA preferred lender, KeyBank may be able to help you bypass the SBA’s notoriously long loan funding times.
Still, KeyBank doesn’t disclose its borrowing requirements or interest rate information, which can make it hard to tell if this working capital line of credit is a good fit for your business. And while SBA lines of credit have caps on interest rates, not all of KeyBank’s business lines of credit come with SBA guarantees, so it’s a good idea to read your loan agreement and check your interest rate before agreeing.
Read our full KeyBank review.
How to qualify
In order to qualify for KeyBank’s line of credit, you’ll need to meet its criteria of:
- Minimum credit score: Not specified
- Minimum time in business: Three years for SBA loans
- Minimum annual revenue: Not specified, but the following caps apply to SBA loans:
- Max net worth: $15 million
- Max average net income over the past two years: $5 million
Best for: High-revenue businesses – Bluevine
User ratings coming soon
$1,000 - $250,000
12 months
Up to 12 months
625
Pros
- Quick funding options
- Accepts fair credit scores
- Offers high-yield business checking account
Cons
- High annual revenue requirement
- Not available in Nevada, North Dakota or South Dakota
- Doesn’t list maximum interest rates
Why we picked it
If your business is registered as an LLC or corporation and generates at least $10,000 a month, Bluevine’s line of credit could be for you. With flexible terms, low starting interest rates and quick funding options, Bluevine can be a great option for businesses who qualify. You can access up to $250,000 on an as-needed basis to tackle a range of business expenses.
Bluevine also offers term loans up to $500,000 through financing partners, plus a high-yield checking account with competitive APYs.
Note that Bluevine’s financing isn’t available for sole proprietors or businesses located in Nevada, North Dakota or South Dakota.
How to qualify
In order to qualify, you’ll need to meet Bluevine’s criteria of:
- Minimum credit score: 625
- Minimum time in business: 12 months
- Minimum annual revenue: $120,000
Best for: Same-day funding – OnDeck
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services.
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services.
$6,000 - $200,000
12 months
12 - 24 months
625
Pros
- Same-day funding available
- Fair to low credit accepted
- Prepayment discount
Cons
- Average interest rates run high
- Payments will automatically be deducted from your bank account
- High annual revenue requirement
Why we picked it
As one of our top picks for fast business loans, OnDeck can help you access quick cash for your business — with options for same-day business financing. Its lenient eligibility criteria make it a solid choice for low-credit borrowers and early-stage businesses, though you must have a robust cash flow to qualify. Since OnDeck reports to the major credit bureaus, on-time payments can help boost your business credit profile.
But while OnDeck offers quick funding for a wide range of credit scores, that comes at a price, as rates tend to run on the high side.
How to qualify
In order to qualify, you’ll need to meet OnDeck’s criteria of:
- Minimum credit score: 625
- Minimum time in business: 12 months
- Minimum annual revenue: $100,000
Best for: Startups – Fundbox
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services.
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services.
Up to $250,000
3 months
3 - 12 months
600
Pros
- Fair to low credit accepted
- Short time-in-business requirement
- Available in all U.S. states and many territories
Cons
- Short repayment terms
- Lower funding cap
- Doesn’t list maximum interest rates
Why we picked it
Fundbox’s flexible line of credit is ideal for early-stage businesses and entrepreneurs needing startup financing to cover a range of startup expenses. With a speedy online application, funds could hit your bank account as soon as the next business day. You can choose your repayment plan with each withdrawal, although terms are relatively short compared to other lines of credit.
Note Fundbox’s credit limit caps at $250,000. While this may be enough for many startups, you may need to consider additional options to cover any funding gaps.
How to qualify
In order to qualify, you’ll need to meet Fundbox’s criteria of:
- Minimum credit score: 600
- Minimum time in business: 3 months
- Minimum annual revenue: $30,000
Best for: Secured line of credit – Truist
User ratings coming soon
Up to $250,000
None
12 - 60 months
Not specified
Pros
- No minimum time-in-business or annual revenue requirements
- Longer terms
- Wide range of traditional bank products
Cons
- Larger loan amounts require collateral
- Doesn’t list interest rates
- Lack of information on credit score requirements
Why we picked it
When you need access to a larger loan amount or a longer loan term, consider Truist’s secured line of credit as an option. A secured line of credit uses an asset as collateral to back up the loan, allowing for more favorable terms, such as Truist’s extended 60-month loan term and $250,000 borrowing limit.
However, Truist doesn’t list its minimum credit score requirements or estimated interest ranges, making it hard to compare against other traditional bank loans. Additionally, if approved, you’ll need to visit a Truist branch in person to close on your new working capital line of credit.
Read our full Truist review.
How to qualify
In order to qualify, you’ll need to meet Truist’s criteria of:
- Minimum credit score: Not specified
- Minimum time in business: None, but you may need to supply extra documents if you’ve been operating for less than two years
- Minimum annual revenue: None
Best for: Borrowers with poor credit – Taycor Financial
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services.
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services.
$10,000 - $1,000,000
6 months
6 - 18 months
560
Pros
- Accepts low credit scores
- Quick funding times
- High loan amounts
Cons
- Origination fee may apply
- Weekly payments may be required
- Factor rates make it hard to estimate total cost of borrowing
Why we picked it
While Taycor Financial is best known for its competitive equipment loans, its line of credit is an excellent choice for those needing bad credit business financing. With lenient eligibility requirements, low rates, flexible terms and no hidden fees, you could access between $10,000 to $1,000,000 within four to 24 hours. Funds can be used for a wide range of working capital expenses.
Note that origination fees may apply. Additionally, factor rates are listed instead of standard interest or APR, making it hard to compare Taycor Financial’s rates with competitors.
How to qualify
In order to qualify for a business line of credit, you’ll need to meet Taycor Financial’s criteria of:
- Minimum credit score: 560
- Minimum time in business: 6 months
- Minimum annual revenue: $50,004
What is a working capital line of credit?
The term “working capital” refers to the cash you have on hand to cover your business’s day-to-day operations. Having adequate working capital allows you to keep your business afloat, while a surplus can help you grow and expand your business or explore new opportunities.
A working capital line of credit is a type of business financing designed to cover short-term operating expenses, such as rent, utilities, inventory, supplies, payroll or seasonal fluctuations in revenue.
Typically, working capital lines of credit are not used to cover one-time purchases or more expensive projects. In that case, a long-term business loan may be a better fit.
Frequently asked questions
In general, lenders prefer for businesses to operate for one to two years before extending them credit. That said, many alternative lenders now work with startups after just several months of business history, with some even waiving the business history requirement altogether.
If you have an established business and a robust credit profile, you’ll have an easier time qualifying for a working capital line of credit. Startups and those with bad credit may need to choose their lenders carefully. Be sure to evaluate each lender’s requirements before applying to improve your chances of approval. You can also use LendingTree Spring to monitor and boost your credit score, which may help secure a more competitive rate.
For those who can’t qualify for a line of credit, here are a some alternatives to consider: