Business Lines of Credit
Flexible Funds for Cash Flow, Working Capital, and Short-Term Needs
Every business has busy seasons, slower months, and unexpected expenses. A Business Line of Credit from Guadalupe Credit Union gives you flexible access to funds you can use when you need them—so you can manage cash flow with confidence and keep your operations moving.
Unlike a traditional loan, a line of credit lets you draw only what you need (up to your approved limit), then repay and reuse funds as your business cycle changes.
How a Business Line of Credit Can Help
- Cover Cash Flow Gaps: Manage timing differences between receivables and expenses.
- Working Capital Support: Pay vendors, stock inventory, or handle operating costs during seasonal swings.
- Unexpected Expenses: Handle repairs, urgent purchases, or surprise costs without disrupting your budget.
- Ongoing Access: Draw funds as needed and pay interest only on what you use.
Not sure if a line of credit is the right fit? We’ll help you compare options based on your cash flow and business goals.
Why Open a Line of Credit with GCU?
We focus on relationship-based business lending with clear guidance and local support.
- Local Decisions: Your request is reviewed by people who understand Northern New Mexico businesses.
- Practical Structure: Limits and terms designed to match how your business operates.
- Personal Support: Work directly with a team that takes time to understand your needs.
What You’ll Typically Need
To help move the process along, we may request:
- Basic business and ownership information
- Tax Identification Number (EIN) or Social Security Number (depending on business type)
- Financial statements or income documentation
- Details on how the line will be used
Every request is different, and requirements may vary based on the type and size of the line of credit.
Let’s Talk About Your Credit Line
If you’re considering a business line of credit—or want to understand your options—our team is here to help you plan next steps. Whether you’re opening a new account, exploring financing options, or looking for better tools to manage business finances, our team is here to help.
