Business Lines of Credit
From managing day-to-day expenses to investing in growth, a business line of credit gives you reliable access to funds when you need them. Similar to a credit card, you can draw from your available credit and only pay interest on what you use. At Florida Capital Bank, we work closely with business owners to provide straightforward, flexible financing designed to keep your business moving forward.
Why a Business Line of Credit Makes Sense
Draw Funds on Your Terms
Tap into your approved credit line when needed and keep control over how and when you use your funds.
Built Around Your Business
Partner with local bankers who take the time to understand your goals and provide guidance that fits your situation.
Designed to Grow With You
As your business evolves, a line of credit can support ongoing needs and position you for future financing opportunities.
How a Business Line of Credit Works
Getting started is straightforward. We keep the process simple so you can focus on running your business.
1. Connect With a Banker
Start with a quick conversation so we can understand your business, your goals, and how you plan to use the line of credit.2. Review and Structure
We review your financials and cash flow to structure a line of credit that fits your business, not a one-size-fits-all solution.3. Access Funds When You Need Them
Once approved, your funds are available to draw from at any time. Use what you need, repay, and reuse as your business evolves.
Explore Financing Options
For larger investments and long-term growth, a business term loan provides structured, reliable financing. Florida Capital Bank offers loan amounts from $250,000 to $1,000,000 with 3- and 5-year terms, available with fixed or variable interest rates. With competitive rates and a straightforward process, we are here to support your next step.
