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Get funding results in 24/48 hours
Get credit in as fast as 7 days
Get to Know Our Business Lines of Credit
Lines of Credit
up to $150,000
0%
Introductory annual percentage rate (APR) for 6, 9, 12 months
7.99% - 11.99%
Low annual percentage rates (APR)
Flexible Revolving Lines
Only pay interest on what you draw
Do You Qualify?
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1
FICO® Scores
The minimum allowed personal credit score is 680, but the majority have scores of 720 and higher.
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2
Credit Requirements
If you have no mortgage then you should have at least one active credit card with over $4k limit + two years of history (does not include authorized users)
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3
Bankruptcy OK?
Yes, but cannot be reporting on any credit reports. Any judgments or liens must be in paid status.
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4
Time in Business
There is no minimum age requirement for a business.
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5
Credit Partner OK?
Yes, we accept credit partners.
The UBF Program Advantage: benefits for your business.
With unsecured business credit lines you don't just get access to credit for your business, you also get to build your business credit, protect your personal credit, receive credit limit increases and, best of all, have peace of mind.
As a credit savvy business owner it’s key to be strategic when applying for business credit lines. This includes minimizing credit inquiries, protecting personal credit, building business credit and maximizing the size of credit limit approvals.
The good news is you can avoid excessive inquiries through our UBF pre qualification process. Rather than shopping around and having multiple banks pull your credit to see what you qualify for, we have you supply your own credit report for a no cost, no obligation review. Our in house underwriters will analyze your credit report and give you a rating (funding range report) just like our banking connections would.
By supplying your own credit report for pre qualification, you are not triggering a hard inquiry to your credit. You’ll know firsthand how much you pre-qualify for in business credit lines before actually starting the funding process.
*Eligibility for the highest credit limits is limited to the applicant with the strongest credit profiles. Each credit line will have a 0% introductory APR period ranging from 6,9, 12 months. Average annual APR rates for unsecured business credit lines range from 9.9% - 11.9%.
Rate definitions:
Annual Interest Rate = The interest rate in annualized terms, excluding fees.
Annual Percentage Rate = The interest rate in annualized terms, including fees.
