Draw only what you need, when you need it. Pay interest only on what you use.
Apply Now — No Credit Impact →The Spotya! Business Line of Credit gives you a revolving credit pool you can draw from whenever your business needs it. Unlike a traditional loan, you're not locked into using the full amount — draw what you need, repay it, and draw again.
This makes it perfect for managing unpredictable cash flow, covering payroll gaps, purchasing inventory, or handling seasonal expenses. You only pay interest on the funds you actually use.
Apply online in minutes
Simple form, no hard credit pull to check your eligibility.
Get approved for your credit limit
We'll set your credit limit based on your business financials and credit profile.
Draw funds whenever you need them
Access your line anytime — funds deposited directly to your business account.
Repay and reuse
As you repay, your available credit replenishes — giving you ongoing access to capital.
No impact to your credit score to check rates