A standing cushion for the slow stretch that appears every year.
Business credit route
Keep a buffer ready for the swings you cannot schedule.
Some months the work slows, a bill lands, or a draw comes late — then it happens again a few months on. A business line of credit is the buffer for exactly that: draw when you’re short, repay when the money lands, and it’s ready for the next swing. It’s built for recurring pressure, not one big one-time cost.
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Signals that your business needs standing access.
A line of credit is strongest when the same type of cash-flow pressure keeps coming back.
Draw to make payroll, then repay as the next progress draw lands.
A flexible buffer for gaps you cannot schedule in advance.
Reuse the limit instead of applying for a new advance every time.
Room for the repair, bill, or delay you did not see coming.
Right tool, right pressure.
A line of credit is not always the answer. It works best when the need repeats and the timing is unpredictable.
Pressure
Best route
Why
Swings happen all yearYou need a cushion you can dip into and refill.
Line of credit
Recurring buffer
One large, known costYou know the amount and repayment source.
Working capital
Operating bridge
Completed work, slow payerMoney is owed on paper but not in the account.
Invoice financing
Receivable bridge
Buying a truck or machineThe asset can support a longer-term structure.
Asset financing
Not this page
A line is ongoing exposure, so lenders want stability.
The review leans on cash-flow consistency, bank-account behaviour, history, and how you handle revolving balances.
Clean bank-account behaviour.
Steady deposits and few NSFs matter. Many programs want meaningful monthly deposits before offering a revolving limit.
More history than a short advance.
A line of credit commonly wants two to three years in business and stronger credit than a fast working-capital advance.
Secured versus unsecured.
Unsecured can be faster and smaller. Secured may cost less and go larger, but collateral is pledged.
Compare the cost of carrying a real balance.
Because you pay on what you draw, the posted rate alone does not tell you the full story.
What the line is doing this month
A line should feel controlled: draw only what the business needs, then return the balance when revenue lands.
Available$32,000
Utilization36%
Est. monthly interest$270
Rate on drawn balanceIs it fixed, floating, or linked to prime?
FeesCheck annual fees, draw fees, monthly minimums, and unused-line fees.
TermsAsk whether the lender requires the balance to rest at zero.
Unsecured lines move faster than secured ones.
An unsecured line can move in days after bank statements are reviewed. A secured line usually takes longer because collateral needs valuation and security registration.
Start the file
Tell us about the swings you are smoothing and the limit you want.
Read the cash flow
Deposits, history, and existing debt shape the limit and the rate.
Set the limit
Crewline matches the request to a line that fits — or a better route.
Draw as needed
Use it for timing, repay as revenue lands, and keep it available.
Have these ready
The cleaner the file, the easier the route.
You do not need everything to begin, but these details help a lender understand stability and limit size.
6 months of bank statementsDeposits, NSFs, and cash-flow behaviour
Business registrationCompany details and time in business
Debt summaryExisting payments and obligations
Desired limitThe buffer you actually need
Collateral detailsOnly if exploring a secured line
Revenue patternSeasonal or project-based swings
Questions you might have before applying.
Quick answers to what you’re probably wondering, in plain language.
How is a line of credit different from a loan?
A loan gives you a lump sum you repay on a fixed schedule. A line of credit is a revolving limit you draw, repay, and reuse.
What are typical requirements?
Consistent revenue, time in business, recent bank statements, manageable debt, and reasonable credit are usually important.
Can I get an unsecured line of credit?
Yes, but unsecured lines usually carry higher rates and smaller limits than secured ones, and lean more heavily on cash flow and credit.
When should I use working capital instead?
Use working capital when the need is one known gap or a specific short-term expense. A line is better for recurring swings.
Start with the swing
Set up the buffer before the next slow stretch.
Tell us about the recurring gaps you are smoothing and the access you want. No credit pull to start — a real person reviews the file.