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| Line of credit | Term loan | Merchant cash advance | |
|---|---|---|---|
| Rate range | 7.99% APR | 7% APR | Factor 1.1 - 1.5 |
| Interest charged on | Only what you draw | The full amount from day one | A fixed factor on the advance |
| Repayment | Revolving, minimum payment | Fixed payments, set end date | A share of daily card sales |
| Re-borrow without reapplying | Yes | No | Renewal only |
| Best when | Cash-flow gaps that come and go | A sized investment with a payback horizon | Card revenue is steady but assets are thin |
| Watch out for | No end date means a balance can persist | Prepayment terms differ by lender | Factor pricing costs more than the rate suggests |
An approved limit you draw against as needed, paying interest only on the outstanding balance. Repay and the room becomes available again without reapplying. It suits payroll gaps, inventory cycles, and receivable timing rather than a one-off purchase.
A line of credit for recurring, unpredictable needs; a term loan for a defined purchase you will repay on a schedule. Using a line of credit for a permanent capital need is the common mistake, because the balance never clears and the flexibility costs you more than a term loan would.
Typically $10,000 or more in average monthly sales and at least a year in business, verified through bank statements or payment processor data. Lines of credit often require slightly stronger qualification than an advance, because the lender is committing to future availability.
