Business Lines of Credit for America's Entrepreneurs.

Coast Funding offers business lines of credit from $10,000 to $500,000, with rates starting at 2.99%/month.* Our lines of credit are revolving — you draw what you need, pay only for what you use, and as you repay, access to additional funding becomes available again up to your maximum approved limit. Funded in as little as 24 hours with no hard credit pull to apply.

Coast’s business line of credit is designed for established small and mid-sized businesses. Standard qualifications:

• $200,000+ annual revenue
• 1+ year in business
• Minimum 600+ FICO (most approved clients are 700+)
• U.S.-based business with an active business bank account

The application takes about 5 minutes and requires no hard credit pull. Preliminary decisions in as little as 5 minutes.

Coast Funding delivers decisions in as little as 5 minutes, with funding available in as little as 24 hours after approval.* Same-day funding is available when closing documents are completed by 11 AM PT Monday through Friday. Our streamlined application takes about 5 minutes to complete.

Coast Funding’s business lines of credit start at 2.99% per month, with your specific rate determined by your business’s qualifications, revenue, and credit profile.* Unused credit costs nothing — you only pay on what you draw. There are no prepayment penalties for paying down your balance early.

A business line of credit is one of the most flexible funding tools available. Established businesses use their Coast line of credit for:

• Bridging cash flow gaps between invoices and payments
• Inventory purchases ahead of peak seasons
• Payroll during seasonal revenue dips
• Equipment repairs or emergency expenses
• Time-sensitive opportunities like supplier discounts or acquisitions
• General working capital flexibility as a standing backstop

A business line of credit is revolving — you draw funds as needed up to your approved limit, pay interest only on what you use, and your credit restores as you repay. It’s ideal for ongoing cash flow flexibility and seasonal fluctuations.

A business term loan is a lump sum disbursed upfront, repaid on a fixed schedule with fixed payments. It’s ideal for specific investments like equipment, expansion, or acquisitions where you know the exact capital needed.

Coast serves established businesses across most industries, with specialty programs for medical, construction, hospitality, manufacturing, retail, and professional services. Coast does not fund illegal gambling, adult entertainment, political campaigns, financial institutions or lenders, or auto dealerships.

Applying with Coast uses a soft credit pull to verify identity and determine qualifications — it will not impact your personal credit score. Certain programs may result in a hard inquiry, but only after an approval is issued and you’ve accepted the offer. If you default on a Coast Funding program, you may be subject to business and personal credit reporting where applicable.

Yes — Coast Funding is a direct lender. We also partner with select outside lenders when a client needs a product we don’t offer directly or doesn’t meet our internal underwriting criteria. This hybrid approach lets us match each client with the structure that best fits their business — instead of forcing every business into a single product. 

Coast Funding’s approach is built on three principles: Responsibility, Renewable capital, and Relationships. Every client works with a dedicated Business Funding Advisor who takes the time to understand your business and structure funding around your goals, not ours. We’re committed to guiding clients to responsible funding decisions, with capital designed to grow alongside your business rather than as one-time transactions.