How Our Line of Credit Works

At United Capital America LLC, we make it easy for businesses earning over $20,000 per month with owners having a FICO score above 600 to access revolving credit.

• Credit Limit: Borrow up to $500,000 with the option to draw additional funds as the balance is paid down.
• Low Rates: Rates range from 4.8% to 24.99%, depending on your qualifications.
• Repayment Flexibility: Choose from weekly or monthly repayment options with terms ranging from 6 to 18 months.
• Instant Access: Once approved, you can instantly tap into your credit line for both planned and emergency expenses.
• Fast Approvals: The application process is swift, and if you maintain a positive repayment history, you may qualify for increased credit limits.

Rates Based On
The rate you qualify for is determined by several factors, including:

• Credit Score: Your personal and business credit history.
• Time in Business: How long your business has been operating.
• Monthly Revenue: Your consistent monthly earnings.
• Industry Type: The nature of your business.

Required Documentation
​To apply, please provide the following:

• 3-6 months of recent business bank statements or securely link your business account.
• A completed application with basic business and merchant details.
• A valid driver’s license.
• A voided check.
• Proof of your business address.

Ask Yourself:

• Do you have outstanding debt on your balance sheet? If so, what are the balances and who do you owe?
• Will your business need access to funding in the next 12 months?
• What specific expenses or opportunities will you use your line of credit for?

Why Choose a Line of Credit?

• No Fees Until You Draw: Set up your line of credit now and only pay when you use it. Perfect for preparing for future growth or unexpected needs.
• Flexible Repayment: With weekly or monthly payment options, you can tailor your repayments to fit your cash flow.
• Great for Growing Businesses: If your business grosses $20,000 or more monthly and you have a credit score of 600 or higher, a line of credit could be the perfect solution to keep your operations running smoothly.

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Don’t wait—apply today and give your business the financial freedom it deserves.

Ready to move forward?

Complete our Business Registration Form and select Line of Credit

APPLY NOW