REAL ESTATE INVESTOR FINANCING
Business Line of Credit Guide
Revenue-based revolving capital, why owning an LLC alone doesn't qualify, and standard vs larger lines.
What It Is
A revolving line of credit providing reusable working capital based primarily on the strength of the operating business. Draw on demand and pay interest only on amounts actually drawn.
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 LOC 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 ~$10K+/month in revenue and a 600+ FICO. An established operating history is preferred. Qualification is not based solely on owning an LLC — lenders review revenue, bank-statement history, time in business, and credit.
Standard vs Larger Business LOC
Standard: ~$50K–$250K, 600+ FICO, ~$10K+/month revenue. Larger: up to ~$5M, 680+ FICO, ~$20K+/month revenue — a distinct higher-tier product for established businesses that have outgrown the standard line. Don't combine the requirements; they're separate products.
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 standard or larger line based on the operating profile.
Frequently Asked Questions
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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 GuideUnsecured Term Loan Stacking Guide
How unsecured term-loan stacking works, the 680+ preferred matrix, 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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