The line that works as hard as you do.
Up to $250,000 revolving. Draw in seconds, pay interest only on what you use, and replenish it as you repay. No reapplying, no waiting.
Soft check, no credit-score impact · Decision in 24 hours
A reservoir, not a loan.
A term loan delivers a lump sum once. A line of credit is different — it stays open, so you can draw exactly what you need, exactly when you need it, and keep the rest on standby at no cost.
Once approved, you never reapply. Cover payroll during a slow week, move on a bulk-inventory deal before a competitor does, or smooth out the gap between finishing a job and getting paid. The line sits there — ready — until you need it.
Interest on what you actually owe.
Most lending products charge you for the full amount from day one. A Lumen line does not. Interest accrues only on the balance you have drawn — and only for the days it is outstanding.
Example
Your approved limit is $100,000. You draw $30,000 to cover a payroll cycle. Interest accrues on $30,000 only. The remaining $70,000 costs you nothing. Three weeks later you repay $20,000 — interest on that portion stops the same day, and $20,000 of capacity is immediately available again.
There are no prepayment penalties and no minimum balance requirements. Pay down early, save on interest, and watch your available credit restore in real time.
Everything that matters, straight.
Limit
$10,000 to $250,000, based on revenue and cash flow.
Interest
Daily simple interest on the drawn balance only — nothing on what you have not touched.
Speed
Draws land in your linked account within seconds. Larger transfers by the next business morning.
Repayment
Weekly or monthly schedule. Every dollar repaid restores your available balance immediately.
Credit check
Soft pull to check your limit — zero score impact. Hard pull only at final approval, after you accept.
Fees
No monthly maintenance fee. No dormancy fee. No prepayment penalty. Interest only.
A line beats a lump sum.
Lumen line
Flexible, revolving, precise.
- Draw only what you need
- Interest only on what is drawn
- Revolving — reuse as you repay
- 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 quickly can I draw after approval?
Once your Lumen line is active, most draws land in your linked business bank account within seconds. For draws over $50,000, transfers may settle by the next business morning — still same-day in most cases.
Is there a fee to keep the line open?
There is no monthly maintenance fee. You only pay interest on the outstanding balance you have drawn. If you repay your balance in full, your cost drops to zero until your next draw.
Does applying affect my credit score?
Checking your estimated limit uses a soft pull — zero impact on your score. A hard pull is only performed at the point of final approval, and only after you review and accept your offer.
Can I increase my limit over time?
Yes. After six months of on-time repayments you can request a limit review. We look at updated revenue, cash flow, and your repayment history. Many customers double their initial limit within the first year.
What if I need to repay early?
There are no prepayment penalties. Paying down your balance early saves you money on interest and immediately restores that capacity to your available credit — ready to draw again whenever you need it.