A business line of credit is a flexible financing option that allows businesses to borrow funds up to a set limit, repay, and reuse them as needed. At Sunspire Strategy, we help companies access credit lines tailored to their cash flow needs.

It works like a credit card for your business — you draw funds when needed, repay over time, and the credit becomes available again. You only pay interest on the amount you use.

Benefits include ongoing access to working capital, flexibility for managing payroll or inventory, and interest savings since you only pay for what you use.

Businesses use lines of credit for payroll, seasonal expenses, inventory purchases, covering cash flow gaps, or unexpected emergencies.

A loan provides a lump sum with fixed repayment, while a line of credit offers revolving, reusable funds. A credit line is more flexible for recurring or short-term needs.

Some lenders offer unsecured lines of credit that don’t require collateral, while larger limits may need to be secured with business assets. Sunspire Strategy provides both options.

Yes — Sunspire Strategy specializes in helping small and mid-sized businesses secure credit lines based on their revenue, credit history, and financial health.