Top 5 Instant Credit Line Apps for USA — Eligibility, Documents, Benefits & Application Process
1. Kabbage (by American Express)
Eligibility
At least 1 year in business
Minimum $50,000 annual revenue
Personal credit score 640+
Required Documents
Business bank account info
Government-issued ID (Driver’s license, passport)
Business tax ID (EIN)
Proof of revenue via bank statements or accounting software link
Benefits
Credit lines up to $250,000
Fast, online approval (usually within minutes)
No prepayment penalties
Flexible repayment options
Terms
Monthly fees range from 0.25% to 3.5% of the balance
Interest charged only on drawn amount
Application Process
Visit Kabbage website or app
Submit business and personal info
Connect bank account or upload documents
Get approval and access funds within 24 hours
2. Fundbox
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Eligibility
Minimum 6 months in business
$100,000+ annual revenue
Required Documents
Business bank account details
Accounting software connection (QuickBooks, Xero, etc.)
Business EIN
Personal ID (may be requested)
Benefits
Credit lines up to $150,000
Quick decision, often same day funding
Flexible repayment terms
Terms
Weekly fees starting around 4.66% (varies by credit terms)
No prepayment penalty
Application Process
Sign up on Fundbox website or app
Connect bank or accounting software
Submit application info
Receive decision quickly and access funds
3. BlueVine
Eligibility
At least 6 months in business
Minimum $100,000 annual revenue
Personal credit score 600+
Required Documents
Business bank statements (last 3-6 months)
Business EIN
Personal and business financial info
Government-issued ID
Benefits
Credit lines up to $250,000
90-day interest-free period on some plans
Fast online application and funding
Terms
Interest rates starting from 4.8% APR
Flexible repayment options
Application Process
Apply online on BlueVine website
Upload financial documents
Wait for approval (often within 24-48 hours)
Access funds online
4. OnDeck
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Eligibility
Minimum 1 year in business
Annual revenue $100,000+
Personal credit score 600+
Required Documents
Business tax returns (1-2 years)
Bank statements (last 3-6 months)
Government-issued ID
Financial statements
Benefits
Credit lines up to $100,000
Fast funding, usually within 24 hours
Flexible repayment options
Terms
Interest rates starting around 11.89% APR
Origination fees may apply (1-5%)
Application Process
Complete online application
Upload required documents
Approval decision in minutes or hours
Funds deposited to bank account
5. Lendio
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Eligibility
Varies by lender but usually 1+ year in business
Good personal and business credit scores
Required Documents
Business tax returns
Bank statements
Government-issued ID
Other lender-specific documents
Benefits
Access to multiple lender options
Credit lines up to $500,000
Customized terms depending on lender
Terms
Varies by lender (interest rates, fees differ)
Application Process
Apply on Lendio platform
Provide business info and documents
Get matched with lenders
Choose best offer and access funds
1. What is an instant credit line app?
An instant credit line app provides quick access to a revolving credit line for your business, allowing you to borrow funds as needed and repay with flexible terms.
2. How quickly can I get approved and access funds?
Most apps offer approval within minutes to 24 hours, with funds typically available in your bank account within 1-3 business days.
3. What documents do I need to apply for an instant credit line?
Common documents include business bank statements, tax returns, government-issued ID, and proof of business revenue or EIN.
4. What is the typical eligibility criteria?
Eligibility usually requires your business to be at least 6-12 months old, with minimum annual revenue (often $50,000 or more) and a decent personal or business credit score.
5. Are there any fees or penalties I should know about?
Fees vary by lender but may include monthly maintenance fees, origination fees, and interest rates based on your credit usage. Many lenders don’t charge prepayment penalties.