Bizcap's Line of Capital (LOC) Ultra is a flexible business funding solution designed for established businesses that regularly access capital and make payments as revenue comes in.

Structured as a purchase of future receivables, LOC Ultra lets you draw funds as expenses arise, rather than taking the full amount upfront. As you make payments, your available capital is replenished, giving you ongoing access to funding within your approved line.

LOC Ultra also offers payment discounts when eligible draws are paid within the first four weeks, helping businesses that pay quickly reduce their financing costs.

How does LOC Ultra work?

Once approved, you can draw funds when your business needs capital for expenses or opportunities.

For example, you might access funds to pay suppliers or purchase inventory, then make payments as customer revenue comes in. As you pay, your available capital is restored, allowing you to access funds again within your approved line.

If you pay within the first four weeks of a draw, you may also qualify for payment discounts that reduce your financing costs.

What is the difference between LOC and LOC Ultra?

Both Bizcap's Line of Capital (LOC) and LOC Ultra provide ongoing access to business capital, allowing you to draw funds when needed without taking the full amount upfront.

The main difference is how frequently your business expects to access capital and make payments.

LOC Ultra is designed for established businesses with frequent funding needs and strong cash flow, particularly those that can pay quickly as revenue comes in.

LOC Ultra also offers payment discounts within the first four weeks of each draw, making it worth considering if your business regularly accesses capital for shorter periods.

How much can you borrow with LOC Ultra?

We’ll review your business to determine your available capital, but the maximum eligible amount could be up to $2 million.

The amount you can access with LOC Ultra depends on your business’s revenue, financial position, and overall assessment.

Who is eligible for LOC Ultra?

LOC Ultra is designed for established businesses that meet the following minimum 

requirements. 

  • At least $30,000 in monthly revenue
  • At least one year in business
  • An Employer Identification Number (EIN)

While meeting these requirements does not guarantee approval, Bizcap also looks at the bigger picture when assessing your business, including its revenue performance and overall financial position.

What can you use LOC Ultra for?

LOC Ultra can help your business: 

  • cover short-term cash flow gaps
  • pay suppliers and vendors
  • purchase inventory or materials
  • manage payroll and operating expenses
  • fund new projects or contracts
  • cover unexpected business expenses
  • invest in equipment or upgrades.

How do LOC Ultra repayments work?

LOC Ultra allows you to make payments over time, while restoring your available capital within your approved line. Payments are made according to the terms of your financing agreement.

If you pay within the first four weeks of a draw, you may qualify for payment discounts that reduce your financing costs.

This makes LOC Ultra particularly relevant for businesses that regularly access capital and can make payments quickly as customer revenue comes in.

Access flexible funding with LOC Ultra

If your business regularly needs capital to cover expenses before customer revenue comes in, LOC Ultra could be a good fit. 

Draw funds when needed, replenish your available capital as you make payments, and access funding again for your next business expense or opportunity.

Established US businesses can access up to $2 million, subject to assessment and approval. 

Apply for LOC Ultra.