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Fuel Your Business Growth with a Line of Credit at Universal Times LLC

At Universal Times LLC, we know that managing cash flow is key to running a successful business. Whether you're navigating seasonal fluctuations, dealing with unexpected costs, or seizing new growth opportunities, our Line of Credit options offer the flexibility and financial security you require. With our revolving credit line, you can borrow only the amount you need and repay it on your terms, ensuring that your business always has access to the funds it needs. Our customizable credit solutions provide the freedom to effectively manage working capital, all while maintaining stability and fostering growth.

Trusted by 1M+ people
around the globe
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Years Of Experience

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Why choose us a line of credit
  • 25+ Years Of Experience
  • Awards Winning Company

Why Opt for a Line of Credit?

A business line of credit gives you the flexibility to tap into funds whenever required, without having to apply for a loan each time. It offers a revolving credit limit that allows you to borrow, repay, and borrow again as needed. This makes it the ideal solution for businesses that need short-term funding for inventory, emergencies, or expansion.

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How Does a Business Line of Credit Function?

To fully maximize the benefits of a line of credit, it’s important to understand how it works. Here’s a breakdown:

  • Pre-Approved Credit Limit: After approval, you're given a credit limit based on your business’s financial status and requirements.
  • Access Funds as Needed: Borrow any amount up to the approved limit whenever the need arises.
  • Flexible Repayment: Repay the funds at your convenience, with interest applied only on the amount you use.
  • Revolving Access: Once you repay the funds, your credit becomes available again for future use.
Trusted by 1M+ people
around the globe
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0+

Years Of Experience

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  • 25+ Years Of Experience
  • Awards Winning Company

Benefits of a Line of Credit with Universal Times LLC

When partnering with Universal Times LLC, your business enjoys a range of benefits aimed at promoting growth:

  • Maintain Cash Flow: A line of credit gives you access to funds without disrupting your daily business operations, helping maintain steady cash flow even when unexpected costs arise.
  • Flexible Funding Access: With a revolving line of credit, you can borrow and repay whenever necessary, without the need to apply for new financing each time.
  • Quick Access to Funds: Once you’re approved, you can quickly access your funds—perfect for emergency expenses or capitalizing on business opportunities.
  • Pay Only for What You Borrow: Interest is charged only on the borrowed amount, keeping your costs lower than traditional loans.
  • Build Your Credit Profile: Managing your line of credit responsibly helps strengthen your business credit over time.
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We Complete Our Work to Follow
Some Easy Ways

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Step 01

Pre-Approved & Credit Limit

After approval, you're given a credit limit based on your business's financial health and needs.

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Step 02

Draw Funds as Needed

Borrow any amount up to your approved limit whenever necessary.

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Step 03

Flexible & Repayment

Repay funds at your convenience, with interest charged only on the amount you borrow.

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Step 04

Revolving Access

Once repaid, the credit becomes available again for future use.

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Frequently Asked Questions (FAQs)

A business line of credit gives you access to a pre-approved credit limit, allowing you to draw funds whenever necessary. You repay the borrowed amount and can borrow again as needed. Interest is only charged on the amount you actually use, not the entire limit.

Unlike a traditional loan with fixed repayment schedules, a line of credit is a revolving source of funds. You can borrow, repay, and borrow again, offering flexibility. Interest is only applied to the amount you draw.

Typically, businesses should have been in operation for at least six months, show consistent revenue, and maintain a minimum credit score of 500. The exact criteria can vary depending on the amount you wish to borrow.

To apply, provide your business details, financial statements, and documents that show your creditworthiness and how you plan to use the funds. The process is simple, and approval usually happens within a few business days.

To apply, provide your business details, financial statements, and documents that show your creditworthiness and how you plan to use the funds. The process is simple, and approval usually happens within a few business days.