Small business • line of creditSmall business line of credit — fuel growth, steady cash flow
From local shops to startups, small businesses face the challenge of covering payroll, inventory, and unexpected costs while waiting on customer payments. Loot provides fast, flexible financing to keep your business moving forward.
Transparent terms
Same-day approval
Flexible credit
Small business challenges: cash flow, payroll, and growth
Small businesses often need to pay staff, stock inventory, and cover bills before customer payments come in. These cash flow gaps make growth difficult. Loot provides financing that works on your schedule.
Cover payroll for your team- Stock inventory and supplies upfront
- Smooth cash flow to focus on growth
How a small business line of credit helps
A small business line of credit works like a flexible safety net. Draw capital when you need it, repay when sales come in, and keep your operations steady without slowing growth.
Funds for operations
Draw instantly to cover payroll, supplies, and operating costs.
No hidden fees
Only pay for what you use — no extra charges eating into profit.
Built for small teams
From single-owner shops to small crews, the line adapts to your scale.
Trusted by small business owners
Built by entrepreneurs who understand payroll pressures and growth hurdles. Transparent terms, no hidden fees.
Fast access to capital
From application to funding, Loot provides small businesses with capital quickly so you can focus on your customers.
Flexible repayment
Use a little or a lot. Repay as sales come in. Scale limits as your business grows.
See what small business have to say about Loot
“Loot helped us cover payroll and inventory while waiting on customer payments. Having credit ready kept our shop open and thriving.”
Small business line of credit FAQs
Apply online with Loot. Most small businesses receive same-day decisions and quick access to funds.
No. Keeping the line open costs nothing. You only pay when you use the credit.
Most approvals are same day. Funds usually land within hours depending on transfer method.
Early payoff reduces cost, letting owners save funds for future growth.
Small business financing, built for your industry
Carpentry
Keep projects nailed down without cash flow coming loose.
Appliance repair services
Keep techs stocked and dispatched when parts inventory and special orders tie up cash before warranty reimbursement clears.
Auto repair shops
Keep every bay running and cover parts, payroll and equipment when cash flow gets tied up in repair and payment timing.
Electricians
Keep electrical jobs moving and take on bigger installs when cash flow gets tied up in materials, permits and payment timing.
Fence contractors
Keep fence crews building and cover materials, payroll and equipment when cash flow gets tied up between jobs.
Flooring installers
Keep flooring crews moving and cover materials, payroll and equipment when cash flow gets tied up in job timing.
Garage door services
Keep trucks stocked and crews covered when spring, opener and panel inventory ties up cash before jobs are billed.
Janitorial services
Keep crews working and supplies stocked when client payments lag.
Landscaping
Keep crews moving when cash flow gets caught in the weeds.
+ 6 more industries
Towing
Keep trucks rolling without cash flow getting towed.
Auto parts stores
Keep shelves stocked and special orders moving when cash flow gets tied up between parts suppliers and the customer's payment.
Bakeries
Keep the ovens running and the shelves stocked when cash flow gets tied up between overnight baking and holiday orders.
Bars & nightclubs
Keep the bar stocked and the staff scheduled for the weekend rush without draining the cash flow tied up in licensing and entertainment costs.
Cafes & coffee shops
Keep the espresso machine running and the beans stocked when cash flow gets tied up between the morning rush and next week's delivery.
Caterers
Buy the food and book the staff before the final event payment lands.
Clothing retailers
Keep racks stocked when cash flow gets caught between seasons.
Convenience stores
Keep shelves stocked when cash flow gets tight between supplier runs.
Florists
Keep coolers stocked before Valentine's Day and Mother's Day rushes without draining the cash flowers need to turn into arrangements.
Food trucks
Keep your truck stocked and moving through daily service, repairs, and cash flow gaps.
+ 5 more industries
Event planning companies
Pay venues, vendors, and day-of staff weeks before the client's final payment clears.
Photography & videography studios
Keep shoots booked and gear ready when equipment costs and wedding-season swings land before client payments do.
Real estate agents
Manage uneven commissions, marketing costs, and cash flow between closings.
Tax preparation & bookkeeping services
Staff up for tax season and keep bookkeeping clients billed on schedule, even in the slow months.
Tour operators
Book hotel blocks, guides, and vehicles months before the season's bookings pay out.
Chiropractors
Flexible financing for chiropractors and chiropractic clinics — cover equipment, payroll, and the wait on insurance payments.
Hair salons
Flexible financing for hair salons, barbershops, and salon suites — cover payroll, products, and slow seasons.
Massage therapy & spas
Keep every treatment room booked and stock up before a busy season when cash flow gets tied up in payroll and inventory.
Medical practices
Financing for physician-owned practices, family medicine clinics, specialty clinics, and small outpatient medical offices.
Mental health practice
Flexible financing for therapists, counselors, behavioral health clinics, and outpatient mental health providers.
Nail salon
Flexible financing for nail salons managing supplies, payroll, equipment repairs, and seasonal cash flow.
Optometry practices
Keep your practice running and stock the latest frames when cash flow gets tied up in insurance reimbursement timing.
Personal care services
Finance staffing and supplies so clients are never left waiting.
Service animal training
Keep training programs moving and cover puppies, payroll and vet bills when cash flow gets tied up between placements.
+ 1 more industry
Apply for a small business line of credit today
Apply in minutes, no obligation. Keep your team, inventory, and operations running smoothly with flexible financing built for small businesses.
