Business Line of Credit
Draw what you need, pay for only what you use. Flexible capital that renews as you repay.
ExploreFunding Programs
Six programs. One application.
Rather than pushing every business toward the same product, a dedicated Business Funding Advisor reviews your goals and cash flow and recommends the structure that fits — including telling you when something is not right for you.
- One application covers every program
- No hard credit pull to apply
- $5K to $10M, depending on the program
$2B+ funded to 55,000+ businesses
The Programs
Capital matched to how your business operates.
Working Capital
Cash upfront to bridge gaps in cash flow and keep operations moving without missing a beat.
ExploreBusiness Loan
A lump sum for a specific investment — a new location, a big project, a major purchase.
ExploreEquipment Financing
Acquire the equipment your business runs on, with 2–5 year terms and fixed monthly payments.
ExploreSBA Loan
Government-backed capital at traditional market rates with terms up to 25 years — for established businesses funding a major long-term investment, and for qualified buyers and founders.
ExploreSwell by Coast Funding
A fast, renewable, online funding program for growing businesses that want capital on their terms.
ExploreAmounts and terms shown are program maximums and vary by qualification. Subject to underwriting approval; additional restrictions may apply.
Compare side by side
The same six programs, with the details that usually decide it.
| Program | Amount | Term | Payments | Speed | Best For |
|---|---|---|---|---|---|
| Business Line of Credit | $10K – $500K | Revolving 12, 18 or 24 months | Weekly or Monthly | As little as 24 hours* | Ongoing access to capital you draw as needed |
| Working Capital | $5K – $2M | 6 – 24 months | Weekly or Monthly | As little as 24 hours* | Bridging a cash-flow gap or funding a near-term need |
| Business Loan | $10K – $1M | 4 – 36 months | Weekly or Monthly | As little as 24 hours* | A defined, one-time investment with a set payback |
| Equipment Financing | $10K – $5M | 2 – 5 years | Fixed Monthly | Approvals in 24 – 48 hours | Acquiring equipment, using the equipment as collateral |
| SBA Loan | $50K – $10M | Up to 25 years | Fixed Monthly | 14 – 90 days to fund | A major long-term investment at traditional market rates |
| Swell by Coast Funding | $5K – $100K | 4, 6 or 8 months | Weekly | As little as 15 minutes | Smaller amounts, fastest turnaround, fully online |
How to choose
Start with the purpose
Capital that covers a recurring gap behaves differently from capital funding a single purchase. Ongoing needs generally suit a revolving line; defined projects suit a fixed term. Matching the structure to the purpose is the single biggest lever on total cost.
Then look at the payment
The right amount is the one your business can service comfortably in a slow month, not the largest number available. That is the conversation your advisor will have with you before recommending anything — it is what Responsibility means here in practice.
Not sure yet?
Frequently Asked Questions
Which funding program is right for my business?
It depends on what the capital is for and how you want to repay it. If you need ongoing access, a business line of credit lets you draw only what you need. For a one-time investment with predictable payments, a term loan usually fits better. Equipment purchases are typically best financed against the equipment itself. Rather than guess, a Business Funding Advisor will walk through your goals and cash flow and recommend a structure — including telling you when a program is not the right fit.
Can I have more than one program at a time?
Often, yes. Businesses commonly pair a line of credit for working capital with equipment financing for a specific purchase. What matters is that total payments remain comfortable against your cash flow, which is part of what your advisor reviews before recommending anything.
Do I need to know which program I want before applying?
No. One application covers all of them. Your advisor reviews your business and presents the options that actually fit, so you are choosing between real structures rather than guessing up front.
What are the general qualifications?
Most programs start at $100,000 in annual revenue, with $200,000 for a business line of credit. Across programs we look for at least one year in business, a minimum 600 FICO, and an active business bank account. SBA and equipment financing look for a longer operating history. These are floors rather than guarantees — approval and terms depend on underwriting.
Which program funds the fastest?
Swell can return a decision in as little as 15 minutes and is fully online. Lines of credit, working capital and term loans can fund in as little as 24 hours once closing documents are complete.* Equipment financing typically takes 24 to 48 hours for approval. SBA loans are the slowest at 60 to 90 days, because the government-backed process requires more documentation.
Not sure which program fits?
That is what your Business Funding Advisor is for. One short application, no hard credit pull, and a real conversation about what makes sense.
*Closing documents must be completed by 11 AM PT Monday through Friday to receive funds the same business day. Weekend approvals will be processed the following business day.
Certain programs may be made available or arranged pursuant to California Financing Law License No. 60DBO-146720.