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Our motivation here at Arcarius is to help grow your business by allowing you to enjoy access to working capital as and when you need it.

Whether you need funds to hire new employees, fund a renovation, buy new production equipment, purchase inventory in bulk, pay off rent in bulk to increase your profit margins, and more, you will find our services are able to fit a wide range of applications.We advocate for the small business owner and recognize that in recent years owning your own business has become more challenging.

Line of Credit

A Business Line of Credit is a determined credit limit that is extended to the borrower.

Business owners can benefit from purchasing a credit line as it gives them access to a stream of capital to help with cash flow, operational expenses, and additional costs that come with running a business. There are different kinds of Credit Lines that business owners can acquire.

Advantages of Credit Line

There are many advantages to obtaining a Credit Line. Usually, they depend from a type of a Credit Line. With Arcarius, you can choose the most suitable option for your business - Revolving or Non-Revolving Credit Line, Secured or Unsecured Credit Line.

Business Credit Lines are good for flexible funding needs, and for businesses that experience known cash flow fluctuations due to seasonality or contract based earnings. If you operate a business that doesn't have a steady stream of revenue you may want to consider purchasing a Business Line of Credit.

Funding criteria
Fico Score 600+
Funding Amount $3,000 – $250,000
Term Length 6 – 18 Months
Time in Business 6 Months+
Time to Fund As Fast as 24 Hours

How does it work?

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You can borrow up to the max limit of the business credit line you have been approved to use
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You will only pay interest on the amount of funds drawn from the line of credit
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You are responsible for collecting the total amount of outstanding receivables

ARCARIUSMake your unpaid invoices work

  • Secured Line of Credit

    The Line of Credit is "Secured" by your assets. Collateral is required to be eligible for a Secured Line of Credit. The benefit of offering up collateral for this type of credit line is the lower interest rate, more agreeable terms, and higher account limits.

  • Unsecured Line of Credit

    Unsecured Lines of Credit afford you higher amounts and do not require any collateral. The product does include additional costs, shorter terms, and potentially higher interest rates.

  • Revolving Line of Credit

    You can take funds from the credit account which will be considered against your balance as frequently as you desire, but permitted up to a defined limit. Monthly payments are required after borrowing from your line to payback the account balance. You are still able to borrow additional funds with an outstanding balance as long as you have not met the limit. Individual withdrawals have the same loan terms and is treated as a singular loan.

  • Non-Revolving Line of Credit

    Unlike Revolving Credit Lines, every time you borrow from a Non-Revolving Line of Credit the transaction is considered as an independent loan with separate terms.The Line of Credit will have specific terms regarding replenishment included in the contract. The credit available to you may not replenish even after paying your existing balance. You should read the agreement terms carefully, and consider a Revolving Line of Credit if you want access to borrow more than the allotted credit line.