A+ Rating
of credit from $10K – $5mm
12-month
repayment term, resets after each withdrawal
A+ Rating
of credit from $10K – $5mm
A+ Rating
of credit from $10K – $5mm
Why Businesses Love Us
Compared to a term loan, a business line of credit is typically used to cover recurring business expenses or bridge cash flow gaps. With Capital Gurus, you replenish your available funds as you repay what you borrow. This is known as a revolving business line of credit. To help you build your credit, we report your payment history to the business credit bureaus.
Only pay for what you borrow
At HSHFund we believe in acting as a reliable partner and showing respect to our customers in all interactions.
Confidentiality and Data Protection
Ensuring the privacy and protection of our customers’ data and revealing how borrower data is used.
Valuing HSHFund Customers
At HSHFund we believe in acting as a reliable partner and showing respect to our customers in all interactions.
Confidentiality and Data Protection
Ensuring the privacy and protection of our customers’ data and revealing how borrower data is used.
Are we a match?
1 year
in business, at least.
625+
personal FICO score.
$100k+
in gross annual revenue.
Business
checking account.
If you are full of why’s and what’s…
Check our consolidated list of frequently asked questions to help you navigate our lines of credit.
With a HSH Fund – Line of Credit, draws are consolidated into one loan with one easy weekly payment. As you pay back your principal, you replenish available funds. Unlike most other online lenders, our line of credit comes with no draw fees (just a monthly maintenance fee). Adjust the payment amount and term to ensure a comfortable weekly payment.
There are some times when you could really use access to additional funds. Based on your cash flow, net income and payback history, you may be eligible for a credit line increase.
The total cost of your line of credit will vary based on a number of factors, including your personal and business credit scores, time in business and annual revenue and cash flow.§
You may have a project that could benefit from other types of small business loans beyond your business line of credit. At HSH Fund we understand, and we offer term loans that provide lump-sum funding up to $250,000. Reach out to your dedicated loan advisor if you think a term loan could help your business.
We report your payments to business credit bureaus so that every time you pay on time, you’re helping your business build a strong credit profile.
Secured business line of credit. This type of line of credit requires businesses to put up specific assets as collateral. Since a line of credit is a short-term liability, lenders typically ask for short-term assets, like accounts receivable or inventory.
Unsecured line of credit. While this type of line of credit doesn’t require specific collateral, your lender will likely place a general lien on your business and require a personal guarantee from you. You’ll likely need a stronger credit profile to qualify and interest rates may be higher. Additionally, keep in mind that unsecured lines of credit typically come with a lower credit limit.
Revolving line of credit. With this type of line of credit, you replenish your available funds as you repay what you borrow. This gives you access to future funding without needing to reapply. Capital Gurus business line of credit is a revolving line of credit.
Non-revolving line of credit. A non-revolving line of credit is just like a revolving line of credit except your available funding doesn’t replenish as you make payments. You’re given a capped credit limit, and when you reach that amount, you exhaust your funding.