Services
Business Lines of Credit
A business line of credit from Tesni Capital is a revolving facility, commonly $50,000 to $5,000,000, that you draw against as needed and repay as cash comes in. It suits recurring needs like payroll smoothing, inventory and short-cycle receivables better than a one-time term loan.
At a glance
| Structure | Revolving line of credit |
| Common range | $50,000 – $5,000,000 |
| Best for | Payroll, inventory, seasonal gaps, receivables |
| Interest | Charged on drawn balance |
| Timeline | Often 1–3 weeks |
What this covers
- Revolving: draw, repay, repeat
- Good fit for smoothing seasonal cash flow
- Faster to close than SBA for smaller amounts
- Pair with a term loan for larger one-time uses
Who it’s for
Businesses with recurring or seasonal cash gaps — payroll, inventory, receivables — that want a draw-as-needed facility rather than a lump sum.
How it works
- Map the cash cycle — We size the line to your real timing gap.
- Package the file — Revenue, bank statements and financials assembled.
- Shop the line — Submitted to lenders offering revolving facilities.
- Draw as needed — Draw, repay and repeat within your limit.
What you’ll need
- Business bank statements
- Revenue and financial statements
- Business and personal tax returns
- Business debt schedule
Frequently asked questions
How does a line of credit differ from a term loan?
A line is revolving — you draw funds as needed up to a limit and pay interest on what you use. A term loan is a lump sum repaid on a fixed schedule.
What can I use a business line of credit for?
Common uses include working capital, payroll, purchasing inventory and bridging slow receivables.