Business Line of Credit | DirectLenderMatch

What is it?

DirectLenderMatch classifies Business Line of Credit under the financing form “Revolving line.” Its typical use in this directory is: Working capital.

How does it work?

The structure is generally evaluated, supported, or secured using the following basis: Business cash flow/receivables/general collateral. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.

What can it be used for?

Working capital.

What backs or supports it?

Business cash flow/receivables/general collateral.

Why does this structure exist?

This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.

Important considerations

Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.

Is this actually a loan?

Loan or credit structure

Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.

Verified lenders or providers

Direct bank lender

Bank of America, N.A.

Bank of America currently offers the revolving Business Advantage Credit Line.

Official evidence page →

Last verified: 2026-08-23

Direct bank lender

Byline Bank

Byline documents conventional lines of credit used with acquisition and working-capital financing.

Official evidence page →

Last verified: 2026-08-23

Direct bank lender

First Citizens Bank

First Citizens currently documents commercial loans, asset-based/asset-backed/cash-flow solutions and commercial real-estate financing.

Official evidence page →

Last verified: 2026-08-23

Other sources & comparison

DirectLenderMatch lists providers whose offerings have been individually documented, but the list is not exhaustive. Community banks, credit unions that offer business lending, regional banks, CDFIs, and specialty business lenders may also offer relevant financing. Government-backed programs may be delivered through participating lenders rather than directly.

Financing terms can differ between sources. An initial offer is not necessarily the only available option. Reviewing more than one source can help show differences in rates, fees, repayment terms, eligibility requirements, collateral treatment, and other conditions.