A line of credit is the most flexible funding there is: draw what you need, pay interest only on what you use, repay and reuse. But banks and online lenders each set rigid limits, credit floors, and revenue minimums. Apply to one and you fit or you don't. Here's how to find the line that actually matches your business.
Why one lender's line of credit rarely fits
A line of credit is only useful if the limit, draw terms, and cost match how your cash flow actually moves. One bank caps you at $25K when you need $100K. An online lender approves the amount but at 30% APR. Another wants two years in business you don't have. Each is one rigid box — and the odds that one box fits your exact draw needs are low.
One lender = one rigid line
Fixed limit, fixed criteria, fixed rate. If their box doesn't match your revenue or draw pattern, you're declined or stuck with a line too small to matter.
50+ lenders = a line that fits
We match your revenue and draw needs to the lenders offering the right limit at the right rate — and negotiate. From $10K starter lines to $1M revolving facilities.
Going to one funder vs. The Broker Shop
| What matters | Going to one funder | The Broker Shop |
|---|---|---|
| Credit limit | Their one cap | Matched to your revenue across 50+ lenders |
| Qualification | One rigid box | Lenders for 600+ credit, 6-12 months in business, more |
| If you don't fit | Declined or capped low | Routed to a lender who approves your full need |
| Who negotiates the rate | No one | We do, across 50+ lenders |
| Cost to you | Varies | $0 — the lender pays our fee |
A line that fits is worth more than any single bank's
The value of a line of credit is in the fit: the right limit, drawable when you need it, at a rate you can live with. One lender gives you their line, take it or leave it. The Broker Shop finds the line that matches your business.
One application reaches 50+ lenders offering revolving credit. We match the limit and terms to your draw needs and negotiate the rate. Funded in days, free to you.
Find My Best Credit Line →What actually determines your cost
With a line of credit, these factors decide your cost and limit:
- Revenue and consistency — higher, steadier deposits unlock bigger limits and lower rates.
- How many lenders compete — one cap vs. 50+ matching your need.
- Credit score — 620+ opens most lines; revenue can offset a lower score.
- Time in business — 12+ months unlocks the widest set of LOC lenders.
- Whether anyone negotiates — a broker pushes for a higher limit and lower rate.
Compare how a business line of credit works, or line of credit vs. MCA.