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A business line of credit starts with a thick file.

A line of credit is a limit you can draw from, pay back, and draw from again. Lenders decide who gets one. ThickAFCredit is not a lender. We build the file they read.

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Not a lenderLender-readyThat is what the buildout is for.

How a line of credit works.

Draw what you need.

You use part of the limit, not all of it.

Pay it back.

As you repay, the limit opens back up.

Draw again.

It is still there for the next slow month or the next big order.

Line of credit or term loan?

Line of credit

  • A limit you can reuse
  • Draw as you need it
  • Often used for uneven months

Term loan

  • One lump sum
  • Paid back on a set schedule
  • Often used for one big purchase

Descriptions, not advice. Rates and terms are set by the lender.

What lenders read for a line of credit.

Every lender publishes its own criteria. Most of them come back to the same questions. How long have you been in business? What is coming in? How have you paid what you owe? What do you already owe? Is the paperwork ready?

A thin file leaves those questions open. A thick file answers them before anyone asks.

Get lender-ready first.

Phase 1

Clean the file.

AGT-01 reads the whole file and flags what is blocking approval. Then the disputes go out across all 3 bureaus.

See Phase 1
Phase 2

Build the profile.

LLC and EIN if you need them. 15 or more net-30 vendors that report. A DUNS file and a PayDex target of 80 or higher within 4 months.

See Phase 2
Phase 3

Lender introductions.

Your Director introduces you to independent lenders whose published criteria match your rebuilt file. Every decision is the lender's.

See Phase 3
Where the buildout endsLender-ready

A clean file. A real entity. Vendors reporting. Documents waiting. Then the introductions.

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  1. Clean the file
  2. Build the profile
  3. Lender introductions

Line of credit questions.

If yours is not here, bring it to the call.

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See all questions

Does ThickAFCredit offer lines of credit?

No. ThickAFCredit is not a lender. We build the file lenders read and introduce you to independent lenders whose published criteria match it.

Is a line of credit in my name or the business name?

Lenders can offer it in the business name. Some ask for a personal guarantee. Some offer no-personal-guarantee options. That is the lender's call.

Can a new business get a line of credit?

That is the lender's call. Every lender publishes its own criteria. The buildout gets the entity, the reporting vendors and the documents in place first.

What is the difference between a line of credit and a business card?

Both are revolving. A card is for everyday spending. A line of credit is a limit you draw from. The lender sets the rest.

Walk back in with a thick file.

It starts with one free call. A real person. A real plan for your file.

A file gets thick with time. The sooner the first vendor reports, the sooner it counts.

  • You talk with a human Director
  • We reply within 1 business day
  • Detroit-built. Open to founders across the US.
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