Business Line of Credit

Flexible Capital Merchants Draw as Needed

Revolving credit line merchants can draw down and repay on their own schedule. They only pay for what they use. The credit line lives inside your platform.

Repayment overview

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Our Founding Team's Track Record

$0.0b+
B2B Services Revenue
$0m+
Funding to SMBs
0+
Businesses Funded

RiseFi was inspired by real experience in the B2B services field. We know how crucial it is to stand out in a crowded market. RiseFi helps you do exactly that.

Key Mechanics

How business lines of credit work

Self-service access with flexible repayment. Built to reduce friction and increase merchant satisfaction.

STEP 1

Credit limit based on sales history and platform tenure

Limits are set from revenue history, transaction consistency, and platform tenure. Higher volume and longer tenure qualify for larger lines that grow as merchants scale.

STEP 2

Merchants draw funds through your dashboard

No applications. Merchants request drawdowns in your dashboard with a few clicks. Funds typically arrive within 24 hours. Available credit, balance, and repayment schedule update in real time.

STEP 3

Interest accrues only on outstanding balance

Unlike a term loan, interest accrues only on drawn funds. Draw half the limit, pay interest on half. Keeps costs predictable and fair.

STEP 4

Repayment can be automatic or scheduled

Merchants choose automatic daily sales deductions (like revenue-based financing) or fixed monthly minimums (like a term loan). Most choose automatic because it flexes with cash flow.

Credit limit based on sales history and platform tenure
What It Is

Capital on standby, ready when merchants need it

A business line of credit is a revolving facility that merchants can draw down and repay on their own terms. Think of it like a credit card for business expenses, but with better rates and integrated directly into your platform.

Merchants only pay for what they use. Interest accrues only on the outstanding balance. If they draw nothing, they pay nothing. This makes it perfect for businesses with variable or unpredictable expenses.

They control when to draw and when to repay. Merchants access funds through your dashboard whenever they need capital. Repayment can be automatic (tied to a percentage of sales) or scheduled (monthly minimums), depending on what works best for their cash flow.

This product gives merchants predictability and control. They know capital is available without needing to apply for a new loan each time they need funds.

Business Line of Credit Dashboard
Why Partners Offer It

Merchants love flexibility. Platforms love retention.

Business Line of Credit Infrastructure

Gives merchants control and predictability

Merchants appreciate having capital on standby without the pressure of taking a full advance. They draw only what they need, when they need it. This creates trust and reduces decision friction.

Reduces support burden

Because merchants manage their own drawdowns through the dashboard, your support team does not field constant financing questions. Self-service access means fewer tickets and faster merchant satisfaction.

Creates stickier relationships

When a credit line lives inside your platform, merchants are less likely to churn. Leaving means losing access to available capital. This increases platform tenure and lifetime value.

Book a demo

Schedule a Demo
With the Founding Team

Learn how you can embed financing directly into your merchant's workflows, helping them access the capital they need to grow.

Offer up to $750K in fast, flexible funding for your merchants. RiseFi makes it easy for platforms to offer and participate in financing, helping merchants access the capital they need to grow.

Schedule your demo