Who is eligible for a Radix Financial Group line of credit?

A business owner with a FICO score of 680 or above and a business with at least two years in operation. There is no business credit score requirement. Other lender requirements may vary.

A business or business owner with a bankruptcy in the last three years; a business or owner with current tax liens or owed taxes without a payment plan in place; or a business or owner with unreleased judgments.

Flexible Business Line of Credit

Q: What are the loan terms?

Loan amount: $25,000 to $250,000. Interest rate: rates as low as 5.35%. Options at maturity: refinance to a term loan, renew, or pay off. Closing timeframe: 1 to 4 weeks. Payment frequency: monthly payments only. Prepayment penalty: none.

Q: Will a lien or personal guarantee be required?

UCC filing on the business: yes - this is standard for all business loans. Personal guarantee: yes. Business property lien: no. Personal home lien: no.

Q: What documentation is required for underwriting?

All Radix needs for pre-approval: six months of business bank statements, a current business debt schedule, and the business owner's driver's license. Tax returns and financial statements are not required to fund.

Q: What can I use the funds for?

General working capital, purchasing inventory, hiring employees, refinancing business debt, debt consolidation, marketing, and dozens of other business uses.

Q: Are there any alternative options?

Yes. If line of credit rates are not the best fit, Radix Financial Group also offers Traditional SBA 7(a) loans, the SBA Fast Track program, commercial real estate financing, and non-SBA term loans for working capital.

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Looking for a Quick and Easy Line of Credit?

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Is your business looking for a quick and easy line of credit? If you don’t want a full cash flow analysis performed on your business, this is the loan for you.

Radix Financial can fund a monthly payment, interest only, line of credit, in as little as 48 hours.

What is a business line of credit through Radix Financial Group?

A business line of credit through Radix Financial Group is a flexible, revolving funding option that lets a small business draw capital as needed and pay interest only on what’s used — without a full cash-flow analysis or real estate collateral.

Qualified business owners can secure up to $250,000, with rates starting at 5.35% and monthly interest-only payments. Initial funding is available in as little as 48 hours; full closing typically takes 1 to 4 weeks.

To qualify, a business owner generally needs a FICO score of 680 or higher and two years in operation. There is no real estate collateral required; a UCC filing on the business and a personal guarantee are standard.

Documentation is minimal: six months of business bank statements, a current business debt schedule, and the owner’s driver’s license — no tax returns or financial statements needed for pre-approval.

Key facts at a glance

Loan amountUp to $250,000

Interest rateFrom 5.35%

Initial fundingAs fast as 48 hours

Closing timeframe1–4 weeks

StructureRevolving line of credit

Payment typeMonthly, interest-only

Minimum FICO680

Time in business2+ years

Prepayment penaltyNone

Real estate collateralNot required

UCC filingRequired (standard)

Personal guaranteeRequired

Eligible usesWorking capital, inventory, hiring, debt refi

Track record$700M+ funded · 3,500+ loans

simple

3 Step Process

Need quick funding? Want a monthly payment? Try our Line of credit! Only pay on what you borrow!

Check Eligibility

Review the eligibility requirements below for this loan program

Apply Online

Complete the online application & submit the required documentation for underwriting

Get Funded

IT'S THAT EASY!

Frequently Asked Questions

Who is not eligible?

Business or business owner with a bankruptcy in the last 3 years
Business or business owner with current tax liens or taxes owed with no payment plan in place
Business or business owner with unreleased judgments

What are the loan terms?

Amount: $25,000-$250,000

Interest rate: Rates are as low as 5.35%

Options at Maturity: Refinance to a term loan, renew or pay off.

Closing timeframe: 1-4 weeks

Payment frequency: Monthly payments only

Prepayment penalty: None

Will a lien or a personal guarantee be required?

UCC filing on the business- Yes (This is standard for all business loans)

Personal guarantee- Yes

Business property lien- No

Personal home lien- No

What documentation is required for underwriting?

All Radix needs for pre-approval

6 months of business bank statements
A current business debt schedule
Business owner’s driver’s license.

We don’t need financials or tax returns to fund!

What can I use the funds for?

General working capital
Purchasing inventory
Hiring employees
Refinancing business debt
Debt Consolidation
Marketing
Dozens of other uses possible

Are there any alternative options?

Rates for the line of credit too high?

Please check out our Traditional SBA and SBA Express Loan options as well?

Please also check out our Lines of Credit to see for another, non SBA alternative.

Radix Financial Group and its affiliates are not lenders participating in SBA’s 7(a) loan program. Radix is a marketplace to help business owners obtain SBA 7(a) loans. Said loans are ultimately processed and approved by a lender participant in SBA’s 7(a) loan program.

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