Flexibility with a Business Line of Credit
Whether you’re waiting on customer payments or expanding your inventory, a revolving line of credit may help you easily manage your business expenses and improve your cash flow.
How to Put Your Line of Credit to Work
Flexible Funding
Use your funds for sudden expenses, cash-flow gaps or major purchases.
Easy Advances
Move money instantly to your Dupaco checking or savings accounts with digital banking.
Affordable Rates
Make monthly, interest-only payments based on your average balance.
Simple Payments
Pay your balance by phone, in-person or in Shine Online and Mobile Banking.
How It Works
Your Steps to Apply
Gather your completed loan application and personal financial statement and three years of tax returns (personal and business). Once you have those, you can securely upload them online or drop them off at any branch. Guarantees are required, and our team will reach out if we need any additional details.
Resources to Help Your Business Thrive
Why liquidity matters (plus ways to improve it)
May 10, 2024
5 Ways to Increase Profit Margins Calculator
Apr 6, 2026
Frequently asked questions to get you started:
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What is a business line of credit?
A business line of credit gives you access to funds you can use as needed. You can borrow, repay and borrow again—up to your approved limit.
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How is a business line of credit different from a loan?
With a traditional loan, you receive a lump sum all at once. A line of credit lets you draw only what you need, when you need it, and you pay interest only on the amount you use.
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What can I use a business line of credit for?
Many businesses use a line of credit to manage cash flow, cover short-term expenses, purchase inventory or handle timing gaps between receivables and payables.
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Do I pay interest on the full credit limit?
No. Interest is charged only on the amount you’ve borrowed, not on the full credit line.
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How do payments work?
Payments are made monthly and are based on your average balance. You can make payments by phone, in person or through Shine Online and Mobile Banking.
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How do I access the funds?
You can move funds in real time to your Dupaco Checking or Savings account through Shine.
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What do I need to apply?
You’ll need three years of personal and business tax returns, along with a completed loan application and personal financial statement (PFS).
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How long does the application process take?
Once your completed application and documents are submitted, our lending team will review them and follow up with next steps.
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Who can I contact if I have questions?
We’re here to help. You can call us at 800-373-7600, ext. 234, or share your info and we’ll reach out.