Home / Products / Line of Credit

Cash on demand. Up to $500K.

A revolving business line of credit you can pull from anytime. Apply once, draw forever. Pay interest only on the cash you use. The rest of the line costs nothing.

$500K
Maximum Limit
9%
APR Starting
Same-day
Draw Speed
$0
Draw / Maintenance Fees
Apply for LOC → See terms
01 / Overview

A line of credit,
not a loan.

Apply once. Get approved up to $500K. Draw funds whenever you need them — for any business purpose. Pay back. Draw again. The line stays open. The credit limit doesn't disappear because you used it. That's the whole point.

02 / When it makes sense

A line for
the in-between.

Six common reasons clients open a Bolt line of credit. Yours probably fits.

Cash flow gaps

Cover slow months without dipping into reserves. Pay back when receivables clear. Repeat.

Payroll bridges

Customer slipped to NET-45? Make payroll Friday anyway. Replenish the line when they finally wire.

Inventory plays

Buy stock at a discount when timing matters. Pay it down as you sell through. Beat your competitors to the supplier.

Emergency reserve

HVAC dies, truck breaks, supplier goes bust. Capital ready before the crisis costs you more.

Marketing pushes

Fund a campaign, hire a closer, expand a channel. Test fast, scale fast, pay back when it works.

Seasonal swings

Pre-fund the busy season. Pay it back when revenue lands. Sleep through Q1.

03 / How it works

Open it once.
Use it forever.

01

Get Approved

One two-minute application. Soft pull. Decision in 24 hours. We tell you your limit, your APR, and your draw process. Zero fees so far.

02

Draw What You Need

Log in, request the amount, money hits your business account same-day (before 2pm ET) or next business day. No phone calls, no permission slips.

03

Pay Down. Draw Again.

Monthly interest plus principal payments on whatever you've drawn. Paid balance becomes available again. The line never closes unless you ask it to.

04 / Terms

The numbers.
All of them.

Bolt lines of credit are priced in real APR — interest only on what you've drawn, billed monthly. The number on page one is the number you pay.

Credit Limit
$25K – $500K
APR
9% – 24%based on revenue, time in business, and credit profile
Term
Revolvingno end date; draw and pay back indefinitely
Draw Fee
$0
Maintenance Fee
$0
Repayment
Monthlyinterest + principal on outstanding balance
05 / Requirements

What you
need to qualify.

A line of credit is unsecured, so qualification leans on revenue history and credit. Stronger profile = bigger limit, lower APR.

6+ months in businessEarlier-stage businesses may qualify with strong personal credit
$15K+ monthly revenueVerified through bank statements; no tax returns required for most LOCs under $250K
600+ personal FICO620+ unlocks the lowest APR tier; 580 considered case-by-case
Active business bank account3–6 months of statements at application
US-based business50 states + DC; PR considered case-by-case
No collateral requiredPersonal guarantee on lines $250K+; smaller lines are unsecured
06 / FAQ

LOC
questions.

Specific to lines of credit. For general questions, see the main FAQ.

How is interest calculated?
Daily on the outstanding balance, billed monthly. You only pay on what you've drawn — the unused portion of your line costs nothing. Pay down the balance and interest stops accruing on that portion immediately.
Can I draw the same day I'm approved?
Yes. Once your line is open, draws hit your business account by ACH same-day if requested before 2pm ET, or next business day after that. Wire option available for an extra $25 if you need it within hours.
Is there a minimum draw amount?
$1K minimum per draw. No minimum number of draws — use it twice a year or twice a week, the line stays open either way.
What if I never use the line?
Then you pay nothing. No annual fee, no maintenance fee, no penalty for non-use. We get paid only when you draw. A lot of clients keep a Bolt line open as a standing reserve and only touch it once or twice a year.
Can my limit be increased over time?
Yes. After 6 months of clean repayment history, you can request a limit review. Most clients see 25–50% increases on the first review and continue to grow the line as their revenue grows.
07 / Other products

Need something
different?

/ Equipment Financing

Buying gear, not just covering cash flow.

Up to $2M, 100% financing on trucks, machinery, restaurant equipment, medical, manufacturing, and tech. Title in your name day one.

Explore equipment →
/ Invoice Factoring

Stop waiting 60 days for receivables.

Sell unpaid B2B invoices for same-day cash up to 90% of face value. Recourse and non-recourse options. Customer credit drives qualification, not yours.

Explore factoring →

Open your line.
Today.

Two-minute application. Soft credit pull. Approved in 24 hours. Draw same-day after that.

Apply for LOC →