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Business Line of Credit (BLOC)

A flexible financing option that qualifies a business for a set amount of capital upfront, that can be drawn down when there is a business need. With a business line of credit, you only pay for what you access from the line.
Business Line of Credit (BLOC)


Good to Know
Up to $250K

Get continuous access to capital with a business line of credit

Payment Schedule

BLOC’s can be repaid daily, weekly, or monthly depending on the program, with amortization terms ranging between 3-24 months. Some programs allow for an interest only portion due while other programs bundle the principal and interest into one repayment.


BLOCs provide a revolving account that allows business borrowers to draw up to the credit limit. As the borrower pays the balance and applicable interest down, that portion of the BLOC is available to draw up again. If you draw capital multiple times against the BLOC, the term may reset.

2 men applying

The Application Process

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Complete the application

Give us a call or get started online, either way, it will only take a few minutes. We’ll capture the business specific information, advise you on any additional documentation and next steps.

Review your options

Once your application has been processed and reviewed, an Advisor will reach out with options and help you choose the best financing solution.

Receive funds

Once approved, funds typically release the same day to your business bank account

Eligibility requirements

6 months’ time in business
$100K in annual revenue
No Fico minimum
Business bank account & ID
man talking on phone


Business Line of Credit (BLOC)

Why use a business line of credit vs. a business term loan?

Compared to a business loan, a BLOC is typically used to bridge cash flow gaps or target specific recurring business expenses. A business term loan offers fixed financing over a longer period of time with predictable payments and is ideally used for planned projects like remodeling or purchasing equipment.

How does my LOC payback work?

A credit limit will be set by the lender. As you draw against your available BLOC, the available balance (the total amount of all draws) decreases. Typically, multiple draws will be consolidated into one loan repayment. As you repay your BLOC, the available balance available to a business increases.

Is a business line of credit better than a credit card?

Both products offer the business flexibility to address small recurring business needs or capital for an immediate business opportunity. However, a BLOC typically offers a business a higher available balance vs. a credit card limit, but a business credit card often offers features like cash back or some form of reward. So, it depends on what your business needs and motives are with the capital.

How long will it take to set up a BLOC?

Typically, once the lender is in receipt of a complete underwriting package a decision will be rendered that day. If approved, the BLOC can establish that day and funds made available for use thereafter.

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Capital Reaction.
36 Russ Street, 3rd Floor
Hartford, CT 06106