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Business lines of credit · U.S. and Puerto Rico

Prepare for the cycles of business.

Explore a structure that may provide access to capital as needed, within a limit and subject to provider terms.

Explore this option

rédito is a broker, not a lender. Subject to provider availability and evaluation.

Understand the structure

How it works.

A line establishes a limit. Whether funds become available again, the fees and the repayment of each draw depend on the agreement.

What to review

  • Opening, maintenance or draw fees.
  • How payment is calculated for each use.
  • Renewal and availability conditions.

Prepare for the conversation

Start with your plan.

Identify when money enters and leaves the business, how often you need capital and how long it takes to recover it.

Specific documents and requirements depend on the provider and its evaluation.

When to pause

When to reconsider the decision.

A line does not replace stable revenue. Do not assume the limit will always be available or that every draw has the same cost.

Your next step

Tell us what you want to accomplish.

The first step is understanding your business. Start with your details, then tell us what you need capital for.

  1. 01
    We learn your objective

    What you want to do, when and with what payment capacity.

  2. 02
    We discuss the next step

    Our team contacts you to understand the context and guide the evaluation.

This initial inquiry does not ask for a Social Security number, documents or a signed credit application.

rédito is a commercial financing broker, not a lender.

Your details

Step 1 of 2

Let’s start by getting to know you.

This gives us enough to contact you. Next, we will ask about your business.

Enter your first name.

Enter your last name.

Enter a phone number where we can reach you.

Enter a valid email.

Enter your business name.

Your business

Step 2 of 2

Now, about your business.

Six multiple-choice questions help us understand which options may be worth exploring before we call.

Total deposits, not profit. Everything entering the account before expenses. This is how a financing provider reviews it.

Select a range.

From when it began generating sales, not when it was registered.

Select how long the business has operated.

Business bank account

Does the business have a business bank account?

In the business’s name, not your personal name.

Choose an option.

An estimate is fine. The provider may offer more or less based on its evaluation.

Select a range.

Choose the main use. If there is more than one, tell us below.

Select what you need it for.

No commitment. This helps us know where to begin.

Select when you need it.

What you plan to do with the capital and what you expect to happen next. This is what we read first.

After you submit, a member of the rédito team will contact you to understand your objective. rédito is a commercial financing broker, not a bank or lender. Submitting this information is not a credit application and does not guarantee approval. The financing provider determines approval and terms.

We received your information.

A member of the rédito team will contact you to understand your goal.