Business financing
Lines of credit
Revolving working capital financing shaped around the timing of the business.
What it is
A line of credit is a revolving facility: the business draws what it needs, repays it, and can draw again as working capital needs move.
Capacity is sized against the business’s financials and is typically supported by receivables or inventory.
Where it fits
- Seasonal swings in working capital
- Payroll and day-to-day timing gaps
- Receivables collected after expenses fall due
- Inventory purchases or other operating needs that move through the year
What shapes the structure
- The business’s financials and cash-flow pattern
- Receivables or inventory supporting the facility
- Industry, time in business, and lender criteria
- How working capital moves through the business
How we approach it
We start with how working capital moves through the business, then help owners assess whether a revolving facility fits the need. We work with owners and, where appropriate, their attorneys and CPA firms.
Stapleton Frost arranges financing through lenders and capital providers; it does not lend directly. We keep the discussion confidential and look for the route that fits the business—not simply the first available facility. Terms depend on the business’s financials and the lender’s criteria.
A useful first conversation
Request a line of credit
Share the basics of the business and the working-capital need so we can understand the facility to discuss.
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A useful first conversation
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