Business Revolving Line of Credit up to $250,000
Minimum Requirements: 1+ year in business, $250K+ annual revenue, 625+ FICO.
- No Upfront Fees
- No Obligation
- Transparent Terms
- Approval in as little as 4 hours
- Funds in your account within 24 hours
- Interest rates typically start at 1.99% per month
Why Business Owners Choose Clear Skies Capital®
You’re under no obligation when you apply. We offer a free consultation with no upfront fees.
Easy Application
We offer a convenient 1 page application.
Fast Approval
Get approved within 4 hours of application.
Flexible Repayment
Customized repayment plans to meet your needs.
Quick Funding
Get funds within 24 hours
of approval!
of approval!
Flexible Funding That Grows With Your Business
A business line of credit gives you flexible access to working capital, draw funds as needed, repay over time, and reuse the credit as it becomes available. It’s a smart way to stay prepared, invest in growth, and manage the ups and downs of running a business.
With Clear Skies Capital®, you can have multiple draws open at once (up to your approved limit), giving you the freedom to use funds when and how you need them.
As you make repayments, your available credit replenishes, keeping you ready for what’s next. Please note: line size and terms can adjust over time based on your business performance and credit profile.
Real-World Uses for a Line of Credit
- Hire seasonal staff or offer signing bonuses to attract top talent
- Upgrade equipment or invest in new tools to stay competitive
- Take advantage of vendor discounts by buying inventory in bulk
- Smooth out cash flow gaps caused by slow-paying customers
- Fuel growth with flexible capital for marketing, expansion, or unexpected opportunities
Benefits for Every Business
A business line of credit offers a multitude of advantages for businesses of all sizes.
01
Transparent Terms
No upfront fees. Rates from 1.99% monthly based on your credit and business profile.
02
Ready When You Need It
Access funds anytime to handle surprises or smooth out cash flow.
03
Invest in Growth
Use capital for equipment, marketing, or inventory — whatever moves your business forward.
04
Manage Seasonal Swings
Stay steady year-round with capital that adapts to your cash flow cycles.
What makes our Business Line of Credit better?
We offer efficiency, speed, and competitiveness, all while maintaining an unwavering commitment to personalized service, ensuring every client feels heard, supported, and empowered on their path to success.
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Clear Skies Capital® Line of Credit
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Traditional Line of Credit
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Processing Time
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24-72 Hours
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45+ Days
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Requirements
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Business Type
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All Types
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Businesses with operating history (typically more than a year) and revenue
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Location
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Operating Business in the United States
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Varies
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Business Plan
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No
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Yes
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Profitable
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Varies
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Varies
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Cash Flow
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< 3-6 days of negative balances
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Varies
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Outstanding Debt/Credit
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Credit-worthiness of business assures repayment of loan (FICO + Various measurements)
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Credit-worthiness of business assures repayment of loan
+ Excellent personal credit |
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Collateral
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No
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Yes
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Money Down
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No
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Yes
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Time in business
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6 Months+
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Varies
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Terms
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Loan Amount
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Up to $250k
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Typically, 60% to 80% of collateral’s assessed value
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Interest
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Fixed interest rate with flexible payment terms
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Fixed and variable rate loans, based on qualifications and prime rate
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Repayment Terms
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Fixed or variable monthly payments, which can be based on monthly revenue or cash flow
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Monthly payments of principal and interest from the cash flow of the business
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Maturity Terms
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24 months
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Varies, short- and long-term loans
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Out of pocket fees
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No
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Yes
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Prepayment Penalty
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No
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Varies
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Use of funds restrictions
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No
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Yes
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Covenants
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No
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No
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Hear from our happy clients!
We are proud of our 5 Star Reviews in Google, please read our testimonials.
★★★★★
I had some Challenges because of a recent business situation and somehow J. Thorn got it done.Much appreciated, Paul MoranoOwner Monster Tree Service
★★★★★
Working with this team has been a fantastic experience! They are incredibly responsive and provided me with numerous options to choose from. I highly recommend them for all your financial needs!
★★★★★
Clear skies capital it’s a great company to work with when it comes to solve a financial project they’re very professional and dedicated to approve the loan in a matter of days I’m grateful for them they helped me few times to rich my gol thank you again for all of you guys at clear skies capital
★★★★★
Super easy to work with but what was more important to me was the detailed explanations of how the process works. Having my nerves settled by both Jeff and Josh were much appreciated.
★★★★★
Jeff and Gene at Clear Skies Capital are amazing people. The company is first in class and have become an important part of my business. I can not thank the whole team enough. I will try forever though!!!!
At Clear Skies Capital®, our values are the cornerstone of our commitment to customer service.
We value our clients as partners in their future growth, fostering relationships built on trust, transparency, and a shared interest in realizing their business aspirations.
Consultative Approach
Our consultative approach and personalized service differentiate us from other lenders. We analyze each client’s specific financial situation and recommend the loan option that best suits their needs, rather than relying on a one-size-fits-all approach.
Long-Term Partnership
Our high retention rate is a testament to our commitment to customer satisfaction. We’re not just looking to make a one-time deal—we want to be your long-term partner for all your lending needs. And our 5.0 rating on Google is proof that our clients love us too!
Broad Eligibility
We help businesses of all credit backgrounds get the funding they need to succeed. Eligibility for our small business loans only requires a minimum gross sales of $150,000 per year and a business history of at least six months.
FAQ's
Answers to the most common questions.
We offer Business Lines of Credit, Term Loans, Equipment Financing, Revenue-Based Financing, and Cannabis Business Loans.
It’s a flexible credit option that lets you borrow as needed and only pay interest on what you use.
We offer Lines of Credit up to $250K.
No non-usage fees.
No annual fee.
You can get approved in as little as 4 hours, and receive funds within 24 hours.
You need at least $150,000 in annual sales and six months in business.
No, collateral is not required for our Business Line of Credit.
No, applying is free, with no application fees.
Repay over 12 – 24 months.
Yes, we help businesses with all credit types.
We offer personalized service, fast approvals, no collateral requirements, and flexible terms.
Email us at info@clearskiescapital.com or call (800) 230-9822.