Find the Lowest Rates on Business Credit Line

A business Credit Line is flexible “revolving” capital that works almost like a credit card, except you get access to cash and lower APRs.

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What is Business Credit Line?

Business Credit Line adorns you the capital to contain a whole array of business needs. Tie on your business Credit Line to get more working capital, buy inventory, accoutrements seasonal cash flow gaps, consequence other debts or address almost any other business necessity or moment.

How to apply for Credit Line

Advantages of Credit Line

  • Pay interest on drawn funds only.
  • Whenever needed, Capital is available.
  • Convenient for a wide range of business ambition.
  • Bad credit is also acceptable.
  • Attractive way to frame your credit score.

Minimum Requirements for Credit Line


₹ 35 Lakhs



6 months

Documents required for Credit Line









Frequently asked questions

1.How Do Business Credit Line Work?
Surprises happen—it’s a fact of life.However, how can you expect the unforeseen when it comes to your business? A single accident could set you back a long way if you’re not ready. That’s why flexible business financing is so relevant. And LoanRaahi helps thousands of small business owners get that funding in the form of a business Credit Line. Let’s learn, how a business Credit Line can assist you weather storms and take advantage of unpredictable opportunities.
2.Business Lines of Credit: A Flexible Financing Option.
What does Credit Line literally mean?
Understand, a business Credit Line is pretty similar to a credit card. A bank or lender grants you access to a definitive amount of financing, which you can draw from whenever you want or need. Although, you don’t make payments or incur any interest until you actually tap into those funds. You pay for what you use, in other words.
3. Different Kinds of Business Lines of Credit.
Though it’s not an industry standard, we divide business lines of credit up into short-term and medium-term.


Despite business lines of credit don’t really have term lengths you can withdraw and pay back those amount indefinitely,as long as your lender believes that you’re a reliable borrower these labels help you compare short-term loans with short-term lines of credit and traditional term (or “medium-term”) loans with medium-term lines of credit. The variance are commonly in their minimum qualifications, maximum fund amounts, and interest rates.

4. How a Business Credit Line Can Help You?
The major leverage of a business Credit Line is its renewability: you can draw out funds, pay them back, and draw again. You can utilize a small business Credit Line to assist finance ongoing operating expenses, cover cash flow gaps, take advantage of unpredictable opportunities, and provide a cushion to protect against extremity. Since lines of credit are so tensile, they can also be used for payroll, seasonal expenses, and unknown problems or investments, as well as larger purchases. This flexibility is what defines a business Credit Line such a valuable loan product for small business owners.
5. Business Credit Line vs. Credit Card
Even though business lines of credit and credit cards are both forms of “revolving” credit, there are a few important diversification you should be aware of:
  • Credit cards normally have higher interest rates.
  • Credit cards charge extra fees for cash advances and, quite often, balance transfers.
  • Credit cards literally require payments on a monthly basis while business lines of credit normally don’t.
6. What Will a Business Line of Credit Cost You?
The base cost of a business line of credit is pretty upfront: you take, you pay. Different from a traditional term loan, which is one big lump sum with regular installments, with a business line of credit you’ll only pay interest on the cash you draw.
7. How a Business Credit Line Can Help with Cash Flow?
For instance it’s time to pay the bills, but you’re still expecting to receive payment from your own customers making it difficult for you to pay what you owe.And unfortunately, it’s not the first time this has happened. You calculate that having a financial cushion of amount for instance, let’s say ₹ 15 Lakhs would help prevent this issue in the future. So you reach out to an online financial institution and apply to open a small business Credit Line of up to ₹ 15 Lakhs.
8. Who Qualifies for Business Credit Line?
What type of businesses are eligible for this tensile financing?
Younger, less established businesses might be able to qualify for short-term lines of credit, while medium-term lines of credit are more for businesses with good credit and a solid financial history. The maximum sum of funding available, introductory time of the credit line, and repayment terms rely upon your business’s revenues, credit rating, history, and other factors.

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