Capital on demand — whenever you need it.
A revolving line of credit gives you flexible access to capital. Draw what you need, repay, and reuse — only paying interest on the balance you actually use.
A business line of credit is the most strategic short-term funding tool an operator can have. Unlike a term loan, you only borrow what you need, when you need it. That makes it ideal for managing seasonality, covering payroll between receivables, taking advantage of inventory discounts, or simply having a financial safety net. Momentum helps you secure higher limits at better rates by positioning your business as a low-risk borrower before you ever apply.
Highlights
Revolving access
Draw, repay, and reuse — your limit replenishes as you pay it down.
Pay only what you use
No interest charges on undrawn funds. Your line costs nothing when idle.
Same-day draws
Once approved, funds transfer to your business account within hours.
Benefits
- Only pay interest on funds drawn
- Revolving access — reuse as you repay
- Smooth cash flow gaps
- Cover unexpected expenses or opportunities
- Build credit history through responsible use
Ideal Qualifications
- 6+ months in business
- $10K+ monthly revenue
- 600+ personal credit score
- Business checking account in good standing
Common use cases
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