Business Line of Credit
Flexible, revolving access to capital you can draw whenever opportunity—or a gap—shows up. Pay interest only on what you use.
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Funding that moves at your speed
Fuel your next move with funding in 48 hours.
Pulse Capital gives growing businesses fast, unsecured working capital from $5,000 to $5,000,000. Apply in 5 minutes, get approved in 24–48 hours, and feel the momentum.
No hard credit check to apply
Same-day & next-day funding
See your offer in minutes
No paperwork to start. We'll never run a hard credit pull just to give you a quote.
A+ BBB Accredited
Trustpilot ★★★★★ 4.9/5
256-bit SSL Secured
SOC 2 Type II
$1B+
Funded to date
10,000+
Businesses served
95%
Funded within 48 hours
90%
Customer renewal rate
22%
Referral rate
Why Pulse
Real people, real speed, real partnership.
We pair lightning-fast, cash-flow-first underwriting with advisors who actually pick up the phone. You're not a credit score to us—you're a business with momentum to protect.
- Decisions in 24–48 hours — not weeks.
- A dedicated advisor on every single deal.
- Transparent terms — the full cost, up front.
Simple by design
Funded in three easy steps
From "let's see what we qualify for" to money in your account—usually in a single business day.
Apply & submit
Complete our 5-minute online application and connect your bank statements securely. No paperwork piles, no hard credit check.
Underwrite & approve
Our team reviews real-time cash flow—not just your credit score—and returns a decision in 24–48 hours with options tailored to you.
Sign & fund
Review your offer, e-sign in a click, and watch the capital land—often same-day or next-day in your business account.
Funding products
One partner, seven ways to grow
Whatever this chapter of your business calls for, there's a Pulse Capital product built to match it.
Short-Term Loans
A fast lump sum for an immediate need—inventory, a rush order, payroll—repaid over 3 to 18 months with predictable payments.
Learn moreLong-Term Loans
Larger amounts and longer runways—up to 5 years—for expansions, acquisitions, and the big bets that build lasting value.
Learn moreInvoice Factoring
Turn unpaid invoices into same-day cash. Stop waiting 30, 60, or 90 days for customers to pay and keep operations humming.
Learn moreEquipment Financing
Buy the machinery, vehicles, or tech you need now and pay over time—with the equipment itself serving as collateral.
Learn moreMerchant Cash Advance
Get an advance on future sales and repay automatically as a small percentage of daily card receipts. Built for seasonal swings.
Learn moreSBA Loans
Government-backed loans with some of the lowest rates and longest terms available. We guide you through every form.
Learn moreNot sure which fits?
Tell us your goal and our advisors will match you to the right product—free, in minutes.
Talk to an advisor
Built for your world
Funding tuned to your industry
We speak your business's language—and structure capital around how your industry actually earns.
Construction
Healthcare
HVAC
Manufacturing
Restaurants
Trucking
Retail
Technology
Loved by owners
Momentum you can feel
Nine out of ten Pulse customers come back. Here's why owners keep choosing us.
Good questions
Answers before you apply
Most businesses qualify with just three things: 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score. Even if you fall slightly outside one of these, it's worth applying—our underwriters look at your real cash flow, not just a score.
Approvals come back in 24–48 hours, and 95% of approved customers are funded within 48 hours—many same-day or next-day once the offer is signed.
No. Applying for a quote uses a soft check only—there's no hard credit pull just to see your options, so checking your rate never dings your score.
Your next move is waiting. Let's fund it.
Join 10,000+ businesses that chose momentum over waiting. Get your personalized offer in minutes—no obligation, no hard credit check.