Access $50,000 to $5,000,000 in flexible business credit at lower rates by using your assets as collateral. Perfect for businesses seeking higher limits and better terms.
A Secured Line of Credit is a flexible financing solution where your business assets serve as collateral, allowing you to access higher credit limits at lower interest rates compared to unsecured options. You only pay interest on the amount you use, making it an efficient way to manage cash flow.
Lower Rates: Significantly reduced interest rates compared to unsecured credit
Higher Limits: Access larger credit amounts based on your collateral value
Flexible Terms: Customizable repayment options to fit your cash flow
Revolving Access: Credit replenishes as you make payments
Tax Benefits: Potential interest deductions (consult your tax advisor)
• Businesses with valuable assets to use as collateral
• Companies needing large credit lines ($50K+)
• Organizations looking to reduce their cost of capital
• Businesses with variable or seasonal cash flow needs
Commercial Real Estate
50-80% LTV
Investment Properties
65-75% LTV
Marketable Securities
50-90% LTV
Equipment & Machinery
40-70% LTV
Accounts Receivable
70-90% LTV
Inventory
30-50% LTV
Understanding the key differences to choose what's right for your business
Asset-Backed Credit Line
Lower Interest Rates
Starting at 5.99%
Higher Credit Limits
Up to $5,000,000+
Easier Approval
Credit based on collateral
Longer Terms
Up to 5 years
Credit-Based Financing
Higher Interest Rates
8.99% and up
Lower Credit Limits
Typically under $250,000
Strict Requirements
Excellent credit needed
Shorter Terms
1-3 years typical
Get approved for your secured line of credit in just a few steps
Complete our quick application and submit basic business information
Provide financial documents and collateral information
Our team reviews your application and collateral
Sign documents and get access to your credit line
Our financing specialists are ready to help you access the capital you need with competitive rates and terms.
Have questions? Contact our credit team for more information.
Investor Credit Partners is not a lender. We are a brokerage and advisory firm that works with a network of funding providers. All programs, rates, amounts, and timelines are subject to change and approval by the underlying provider. Approvals depend on creditworthiness and underwriting. Some programs require a soft credit pull and some require a hard pull. Programs may be limited by state availability and industry. Nothing on this page is financial, legal, or tax advice.