Lines of Credit
Build a Cash Calendar Before You Request a Line of Credit
Map your cash inflows and outflows before requesting a line of credit, so the limit and the draw timing match your real cycle. A line works best when it mirrors the gap between paying for inputs and collecting from customers.
A modest line that arrives at the right moment beats a large line that arrives late.
| Recurring outflows | Payroll, rent, suppliers — by date |
| Expected inflows | Invoices, card settlements |
| The gap | The deepest recurring shortfall |
| Line size | Matched to that gap, plus a buffer |
Why it matters to the lender
A borrower who can explain the cycle is easier to underwrite than one who asks for a round number, and it usually produces a better-structured facility.
Frequently asked questions
How much can I borrow?
Common ranges run from $50,000 up to several million, depending on revenue and collateral.
How fast does it close?
Simple lines can close in one to three weeks.