Business Line of Creditin Columbus

Revolving credit, draw only what you need

Keep capital ready for inventory swings, payroll or opportunity buys. Pay interest only on the balance you draw — and reuse the limit as you repay.

Lines from $25K-$500K
Same-day draws
Soft pre-qualification

From 9.75% APR

Apply Now (614) 391-2101

Soft credit pull only 24-hour decisions OH-licensed partners

Program Memo

Business Line of Credit for Columbus businesses

A revolving line of credit is the right tool when your Columbus business has lumpy cash flow - port-adjacent importers waiting on container releases, restaurants navigating Scioto Mile seasonality, contractors funding payroll between progress draws. Unlike a term loan, you only pay interest on what you draw, and you can pay it back and re-draw without re-applying.

Approval generally requires 6+ months in business, $10K+ monthly revenue and a 600+ personal credit score for the smaller lines. Larger lines ($100K-$500K) typically expect 12+ months of seasoned business banking and 650+ credit. Decisions are usually back within 24-48 hours; first draw arrives the same day for clients on our pre-approved partner programs.

Every Whitfield Credit application runs through Ohio-licensed lending partners — one soft credit pull, side-by-side offers, no fee until close.

Coverage · Business Line of Credit

Business Line of Credit by Columbus neighborhood

Open a page tailored to your specific neighborhood or adjacent community.

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