REAL ESTATE INVESTOR FINANCING
Business Line of Credit Guide
Revolving business capital — draw only what you need, $10K–$5M, 625+ FICO, 1 year in business, and $10K/month revenue.
What It Is
A revolving business line of credit. The borrower draws only what is needed, interest is generally charged on the amount used, and available capital replenishes as qualifying balances are repaid. Additional draws may be available without reapplying, subject to account/program requirements.
What Problem It Solves
An operating business needs fast reusable capital for EMD, deal deposits, quick rehab costs, auction purchases, or closing expenses — without tying up a lump sum. A business line of credit provides revolving capital sized to the business's revenue and history.
When It's Commonly Used
EMD, deal deposits, quick rehab costs, auction purchases, closing expenses, and operating liquidity where the business (not the property) supports the line.
Who Generally Qualifies
Operating businesses with at least 1 year in business and $10,000/month in revenue, and a 625+ FICO. Qualification is not based solely on owning an LLC — lenders review revenue, bank-statement history, time in business, and credit.
Current Green Fire Program Requirements
Amount approximately $10,000–$5,000,000. Minimum FICO 625+. Minimum time in business 1 year. Minimum monthly revenue $10,000/month. Approval as fast as 24 hours on qualifying files. Repayment per draw 12–24 months. Payment frequency weekly. Revolving business capital.
How the Line Replenishes
The borrower draws only what is needed; interest is generally charged on the amount used. Available capital replenishes as qualifying balances are repaid, and additional draws may be available without reapplying, subject to account/program requirements. A business line of credit may help build business credit where reporting applies.
When to Use a Different Product
If the need is a lump sum with a fixed payment, a Business Term Loan fits. If the need is short-term operating capital with same-day options, Working Capital is the route. If the core requirement (contract, spread, seller carry, or funded end buyer) is missing, a different product — or a restructured transaction — is usually a better fit than forcing the structure.
How Green Fire Structures It
Green Fire reviews the business revenue, bank statements, time in business, and credit, then sizes a line based on the operating profile.
Frequently Asked Questions
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Complete one prequalification and Green Fire will review your profile to determine which funding strategies may fit your capital need.
Get Your TermsRelated Guides
What Is Gap Funding?
What gap funding is, why borrowers don't choose a specific tool, and how Green Fire builds the right capital strategy from one prequalification.
Read GuideDebt Consolidation Guide
How reducing utilization prepares the file for larger capital, and why no specific FICO gain is guaranteed.
Read GuideTerm Loan Stacking Guide
How term loan stacking works, the 650+ matrix, up to $200K, and why borrowed funds don't auto-count as liquidity.
Read GuideEducational content only. Guides describe how financing structures generally work and are not approvals, commitments, or guarantees of terms. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by provider, property, location, borrower qualifications, documentation, and deal structure. All financing is subject to independent provider review, underwriting, and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.
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