Capital on tap.
A revolving business line of credit from $10,000 to $250,000. Draw in seconds, pay only for the days you use it.
Soft check, no credit-score impact · Decision in 24 hours
- $10K–$250Kcredit lines
- 24 hrsto a decision
- Secondsto draw
- $0on what you don't use
A line that refills itself.
Unlike a term loan, which hands you a lump sum once and disappears, a revolving line stays open. Watch one $50K line work through a single cycle:
$50K
$20K
$35K
$50K
$28K
Line opens
You draw $30K
You repay $15K
Fully refilled
You draw again
A $50K line in motion
- Open $50K limit
- Draw $30K in seconds
- Repay $15K
- Draw again
Interest only on what’s out.
Made for owners who move first.
Lumen lives in the gap between the work you have done and the money that is coming. Draw what you need to keep moving, then pay it back when the invoice clears.
43%
of U.S. financing applicants seek a credit line, the most-sought product
46%
get fully approved; owners deserve better odds
Source: Federal Reserve Small Business Credit Survey · 2025.
A person, not a portal.
Lumen is run by Joseph Snado, founder of the Selective Capital business-funding network. The person who reviews your draw history is the person who calls you back — with straight answers, including no.
- Call
- (561) 915-1002
From application to first draw.
Apply in minutes
Answer a few questions about your business. Soft credit check only — no impact to your score.
Get your limit
A decision in under 24 hours. Up to $250,000 reserved in your name, ready to draw.
Draw anytime
Transfer funds in seconds. Repay on your terms, then draw again. The line stays open.
Built for how money actually moves.
Cash flow isn't linear. Your capital shouldn't be either. A Lumen line is ready whenever the business moves faster than the bank statement.
Check your limitPayroll gaps
Keep the team paid when a big invoice is 10 days out.
Inventory buys
Move fast on supplier deals before the window closes.
Seasonal swings
Build stock before peak season without tying up cash.
Bridging invoices
Stop waiting 60 days for a client to pay.
Marketing pushes
Capitalize on a campaign window while ROI is clear.
Sudden opportunities
The storefront opened up. The equipment appeared. Act.
A line beats a lump sum.
Lumen line
Flexible, revolving, precise.
- Draw only what you need
- Interest only on what's drawn
- Revolving — reuse forever
- Soft pre-qual, no score impact
- Funds in seconds
A term loan
Fixed, rigid, costly.
- Full lump sum up front
- Interest on all of it, from day one
- One-time — then reapply
- Hard credit pull required
- Days to fund after approval
Straight answers.
How does interest work on a line of credit?
Interest accrues only on the balance you've drawn — not on your full approved limit. If your limit is $100,000 and you draw $20,000, you pay interest on the $20,000 only. The remaining $80,000 sits at zero cost until you need it.
How fast can I draw funds once my line is approved?
Once your line is active, draws typically hit your linked bank account within seconds. Larger draws may take until the next business day, but most transfers clear the same day.
What sets my credit limit?
We look at business revenue, time in operation, credit profile, and cash-flow patterns. Strong monthly revenue and consistent cash flow typically result in higher limits. You can request a limit increase after six months of on-time repayments.
What's the difference between a soft pull and a hard pull?
A soft pull lets us estimate your limit without affecting your credit score — no impact whatsoever. A hard pull, used only for final approval after you accept an offer, is recorded on your credit report and may lower your score by a few points.
How does repayment and revolving work?
Repayments follow a weekly or monthly schedule depending on your line terms. Every dollar you repay immediately refreshes your available balance — repay $10,000 and you have $10,000 ready to draw again. No prepayment penalties, no reapplying.