Texas Business Finance offers the most affordable and accessible business line of credit available. No credit score minimum, no collateral and no UCC/lien filing are required- just an active business account. Terms are available from 12 to 24 weeks with fees from 4.66% (that’s only $466 on a $10,000 line!) There are no out-of-pocket fees, no junk fees and no prepay penalty (pay off the line any time without penalty). Apply below no hard credit pull at application), get approval in minutes and draw funds the next day Businesses operating > 3 months and with > $25,000 in revenue are considered.