Trusted nationwide since 2003
The credit line traditional banks wouldn’t give you.
Ready to Fund’s revolving credit line gives established businesses access to up to $300,000 in flexible capital — even if you’ve been turned down by traditional lenders.
Credit line up to
$300,000
- Fast approvals
- Revolving — draw, repay, redraw
- No collateral required
- Built for businesses doing $1.5M+/yr
What is the Ready Credit Line?
Revolving capital that works the way your business does.
The Ready Credit Line is a revolving credit facility — meaning once you’re approved, you can draw funds, repay them, and draw again as your business needs capital. It’s not a one-time loan. It’s ongoing access to working capital.
It’s specifically designed for established businesses that have the revenue and track record to qualify, but haven’t been able to get a credit line through traditional banks due to credit history, lack of collateral, or other factors most lenders weigh heavily.
Solution Overview
How It Works
No lengthy applications, no credit checks, no collateral. Just a fast, honest conversation about your business.
Step 1
Contact Us
Call, text, or fill out our simple form. No written application or credit check required to get started.
Step 2
Tell Your Story
We review your key financials and hear about your projects — the full picture, not just a credit score.
Step 3
Get Funding
If we're a fit, we quickly wire capital to your account or directly to your PEO so your team gets paid on time.
Who it’s for
For businesses underserved by traditional banks.
The Ready Credit Line exists because many strong, established businesses can’t get a credit line from a bank — not because their business is weak, but because traditional lending criteria don’t capture the full picture.
Bank-Declined Businesses
Your revenue is strong, but a bank turned you down. We look beyond the credit file to evaluate your business and its ability to pay us back.
Ongoing Capital Needs
You don’t have a single short-term need — you need capital available on a recurring basis to fund operations, growth, and opportunities.
Businesses with Credit Challenges
Past financial difficulties shouldn’t permanently close the door. We evaluate where your business is today, not just its history.
Growing Businesses
Your business is expanding faster than your credit profile reflects. The Ready Credit Line helps bridge that gap.
Why choose the Ready Credit Line
Ready Credit Line vs. a Traditional Bank Credit Line
Understanding why the bank said no — and why we might say yes.
| Traditional Bank | Ready to Fund | |
|---|---|---|
| Approval Basis | Primarily credit score & collateral | Business revenue & overall health |
| Collateral Required | Often required | Not required |
| Decision Speed | Weeks to months | 2-5 Business days |
| Credit History Weight | Heavy – past issues disqualify | Considered in full context |
| Designed for | Businesses with strong credit profiles | Business banks have underserved |
| Relationship | Transactional, rigid | Flexible, built around your needs |
How businesses use it
What you can use the Ready Credit Line for
A revolving credit line is one of the most flexible financial tools a business can have. Here are a few examples of how our clients put it to work.
Smooth cash flow gaps
Purchasing inventory or supplies
Taking on larger client contracts
Funding growth opportunities
Marketing or business development
Equipment or operational expenses
Bridge financing for large receivables
Covering payroll during slow periods
Qualifications
Do you qualify?
Our review is built around your business’s actual performance. Here’s what we look for.
What we look for
What we don’t require
Trusted by businesses since 2003
Common Questions
Can I use the funds for something other than payroll?
Our capital can be used for any reasonable business need – not just payroll. Many of our clients use the funding for: marketing, expansion, equipment, supplier discounts, and more.
How quickly can my company get funded?
With financial documents in hand, we will conduct a brief interview with you and your team. Get a decision in minutes, then Ready will wire the funds within hours if you’re approved.
What is the process to receive funding?
- Contact Us: Use our simple online form or you can reach us at 347-766-8563 or info@readytofund.com. No credit check and no exhausting application process.
- Tell Your Story: We want to hear your story. To start, we’ll request a few standard financial documents (P&L, bank statements, tax returns, etc.) so we can get a clear picture of your business. After reviewing your documents, we’ll reach out to learn about any specific nuances, answer your questions, and determine if our funding solutions are a good fit for your unique situation.
- Get Funding: If we’re a good fit, we’ll quickly disburse the capital to you or directly to your PEO. Our mission is to help you thrive and focus on what matters most—running your business.
What financial reports are required for underwriting?
We will ask for a few standard business financial documents, including:
- Bank statements
- Tax returns (last 2-3 years)
- End of Year P&L and Balance Sheet
- Aging AR
Will Ready run a credit report on me or my business?
No. We will not run credit reports on you or your business.
How is the funding amount determined?
Typically, Ready will analyze a company’s financial needs and fund an amount anywhere from a recent payroll invoice amount to a multiple thereof.
Can I obtain additional funding once I’ve paid it off?
Yes. If you maintain a solid payment history with Ready you can ask for additional funds. We understand that your business will continue to have unexpected turns that require a reliable source of capital - Ready is here to help you grow.
What does "revolving credit line" mean in practice?
A revolving credit line means you have a set credit limit (up to $300,000) that you can draw from, repay, and draw from again. You only pay for what you use, and as you repay, that capacity becomes available again.
I was turned down by my bank – can I still qualify?
Yes — the Ready Credit Line is specifically designed for businesses in this situation. We evaluate your business more holistically, with a focus on your actual revenue and performance rather than rigid bank criteria.
What's the difference between the Ready Credit Line and Payroll Funding?
Payroll Funding ($15K–$250K) is a short-term, one-time solution for urgent needs. The Ready Credit Line is a revolving credit (up to $300K) for businesses that need ongoing, flexible access to capital they can use repeatedly.
Can my credit limit increase over time?
As your relationship with Ready to Fund develops and your repayment history demonstrates reliability, credit limit reviews may be available. We'll discuss what that pathway looks like as part of your onboarding.
Don’t let the bank’s “no” be your final answer.
Apply for the Ready Credit Line today. Fast review, transparent terms, and capital designed around your business.
