CPS LOC: Business Lines of Credit & 0% Intro APR Cards

Business funding should support your growth without putting unnecessary pressure on cash flow. CPS LOC, CPS Business Capital’s featured credit line program, connects qualified applicants with options for starting a business, purchasing inventory, upgrading equipment or covering working capital needs.

Three Ways to Access a Business Line of Credit

• 0% Intro APR Business Credit Cards: Access up to $75,000 or more in revolving business credit, depending on approval. Borrow as needed and make payments on the balance used. Standard rates apply after the introductory period.

• Bank Lines of Credit: Access revolving funds and pay interest only on the amount used.

• Personal Term Loans: Receive a lump sum with fixed scheduled payments.

  
  

Who Can Apply?

Applicants with 670+ credit scores may qualify, and a qualifying co-signer may be an option. Startups can apply, and current or previously defaulted loans or advances do not automatically rule out approval.

Initial screening can offer same-day pre-approval without a hard credit pull, with no tax returns or bank statements required for certain programs. Final applications may involve additional documentation and credit inquiries.

Why Consider It Before an MCA?

For the right applicant, these options may offer lower financing costs and more manageable payments than a merchant cash advance, without daily or weekly remittances.

Certain business credit products also may not report routine account activity to personal credit bureaus. Reporting practices vary by lender and product, particularly for personal term loans.

Call CPS Business Capital at 228-203-3315 or visit cpsbizcapital.com to explore your options.

Approval, limits, rates, documentation and repayment terms vary by lender. Pre-approval does not guarantee final approval.