A business line of credit:
approved once, access it anytime.
A term loan gives you one sum and one repayment schedule, used or not. A line of credit lets you draw what you need, repay it, then draw again, no reapplying each time. We compare 50+ lenders for a limit and structure that fits on your cash flow.
Draw funds only when you need them
Interest charged on what you use, not the full limit
Revolving access, no reapplying each time
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- Why Stryve for a business line of credit
Credit That Moves When Your Business Does.
Most business owners only think about finance when there's a gap to fill, stock arrives before the invoice clears, a slow month runs into a busy one, a supplier wants payment upfront. A line of credit isn't sized for one moment like that. It's a limit you're approved for once, then draw against whenever the timing doesn't line up.
We work out what limit your business can actually support, then compare lenders on how they structure access to it, some charge on the drawn balance only, others add fees just for having the facility open. We flag the difference before you sign, not after your first statement.
Draw, repay, draw again
Once you're approved, the limit stays open, no fresh application every time cash flow tightens.
Pay for what you use
Interest applies to the drawn balance, not the full limit sitting untouched.
Built for timing gaps, not emergencies
A line of credit smooths the space between outgoing and incoming cash, not a one-off rescue.
How a business line of credit works in your favour
One approval, ongoing access
Get approved once and the limit stays available, no reapplying each time you need to draw on it.
Interest on the drawn balance only
The undrawn portion of your limit sits at no cost, you're not paying for headroom you haven't touched.
Smooths the gaps in cash flow
Cover the space between paying suppliers and getting paid yourself, without waiting on a new loan each time.
A limit that flexes with your business
As turnover grows, your facility can be reviewed and increased, it doesn't lock you to day-one numbers.
Business overdraft vs line of credit
If you've only heard your bank say 'overdraft', you've seen one corner of this market. The two products work the same way day to day, but where you get them, and what they cost, differs.
A limit attached to your business transaction account. Your balance can run below zero up to the limit.
A standalone revolving facility. Draw, repay, and draw again against an approved limit.
A limit attached to your business transaction account. Your balance can run below zero up to the limit.
A standalone revolving facility. Draw, repay, and draw again against an approved limit.
Mostly your own bank, priced off its own book.
Banks plus a wide field of non-bank and specialist lenders competing on structure.
Mostly your own bank, priced off its own book.
Banks plus a wide field of non-bank and specialist lenders competing on structure.
Interest on the overdrawn balance, plus line fees that usually apply even when unused.
Interest on the drawn balance. Fee structures vary by lender, some charge nothing until you draw.
Interest on the overdrawn balance, plus line fees that usually apply even when unused.
Interest on the drawn balance. Fee structures vary by lender, some charge nothing until you draw.
Small limits can be unsecured; banks often want security as limits grow.
Unsecured options are common, with limits sized to turnover and cash flow.
Small limits can be unsecured; banks often want security as limits grow.
Unsecured options are common, with limits sized to turnover and cash flow.
Small, occasional buffers where keeping everything in one bank matters most.
Regular working-capital cycles where pricing and limit flexibility matter more.
Small, occasional buffers where keeping everything in one bank matters most.
Regular working-capital cycles where pricing and limit flexibility matter more.
Why Business Owners Choose Stryve
A line of credit is only as good as the limit and structure behind it. We compare the market so your facility actually fits how your business draws and repays.
The whole market, not one bank
Your own bank can only offer its own facility. We compare lenders to find a limit and fee structure suited to your business.
Limits sized to how you trade
We look at your turnover and cash flow patterns, not a generic formula, to work out what limit actually makes sense.
Advice before a sales pitch
If a term loan would suit your situation better than revolving credit, we'll tell you, even if it means a smaller deal for us.
Not sure if a line of credit is right for you?
We'll compare it against secured options too, no obligation.
Book an expert callHow Your Line Of Credit Gets Funded In 5 Steps
A line of credit is assessed differently from a term loan, lenders aren't just looking at one lump sum you need, they're sizing a limit you'll draw against repeatedly. Here's how we take that from first conversation to facility open.
One approval, then the limit is yours to draw against, no reapplying every time your cash flow needs it.
01
Tell us how your business moves
Turnover, cash flow patterns, and what you'd typically use a facility for. This shapes the limit we're actually targeting, not just the maximum you could qualify for.
02
Matched to the right lender structure
Some lenders charge on drawn balance only. Others add line fees regardless of usage. We match you to the structure that suits how you'll actually draw.
03
Statements over paperwork
Most applications run on 3-6 months of bank statements. No asset valuations, no property checks holding up the timeline.
04
Facility terms compared side by side
Limit, draw conditions, fees, and repayment structure laid out clearly before you decide, not buried in a product disclosure statement.
05
Facility open, funds on standby
Once approved, your limit is available to draw against immediately, stock to order, invoice to cover, or gap to bridge.
What our customers
say about us
“Nate and Dylan were extremely helpful in helping us secure our new home. They were easy to contact from day one, and answered any questions we had. We felt reassured at all times and are very grateful for their patience with us. I have recommended Stryve to 3 friends now who have all been successful in achieving their goals of purchasing their homes. We are so happy with the service and will definitely keep on recommending Stryve to our family and friends.”
Whitney Tran
Homeowner
“I never had a problem with Dylan. From the start of our journey on mortgage til the very end and even with refinancing, he/they were very helpful, transparent, honest and really keen to help their clients! Highly recommended.”
Cristianne Del Valle
Homeowner
“On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. We highly recommend Dylan to all our family and friends.”
Merna Yalda
Homeowner
“Nate is great to work with, very knowledgeable, responsive and genuinely invested in helping me find the right solution. Highly recommend this firm to anyone looking for reliable, competitive and professional brokerage services.”
Julia
Homeowner
“Dylan has not only been a longtime friend, but also the trusted mortgage broker of choice for my family. He answers the phone at all hours, communicates extensively through all steps of a sometimes-complicated process and manages my risk. He has a straight to the point approach which I appreciate. Simply gets the job done, and gets it done very quickly. Thanks for everything Dylan, you're a champion broker and a good mate.”
Christian Barać
Homeowner
“Nate and Dylan were the ultimate professionals in securing a home loan to help us purchase our first home! Following the purchase of our home, they have continued to provide their exceptional service and have been able to secure two rate reductions in six months! Being self-employed wasn't an issue for me as Nate knew the process back-to-front and was able to provide sound advice throughout the application process.”
Justin Tomas
Homeowner
“It was an absolute brilliant experience with Stryve. Our first purchase was with Dylan he was always clear re: the next steps, quick to respond, never tired of questions and went over and above with communication. We went back and used him again for our next investment and the experience was just as wonderful as the first. Stryve also reviews our loans every 6 months to make sure we are getting the best rates on offer. We couldn't ask for more!”
Amber Motii
Homeowner
