{"id":28178,"date":"2024-03-05T11:12:41","date_gmt":"2024-03-05T11:12:41","guid":{"rendered":"https:\/\/swoopfunding.com\/us\/?page_id=28178"},"modified":"2025-05-20T07:45:17","modified_gmt":"2025-05-20T07:45:17","slug":"line-of-credit-calculator","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/us\/business-loan-calculator\/line-of-credit-calculator\/","title":{"rendered":"Line of credit calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"28178\" class=\"elementor elementor-28178\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d92d0d2 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d92d0d2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-414f453\" data-id=\"414f453\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8be4e79 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8be4e79\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3e79918\" data-id=\"3e79918\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7980883 elementor-widget elementor-widget-heading\" data-id=\"7980883\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Line of credit calculator<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38b62df elementor-widget elementor-widget-text-editor\" data-id=\"38b62df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our line of credit calculator can be used to estimate your potential borrowing costs and payments for a line of credit. It takes into account factors such as the interest rate, credit limit, and repayment terms.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f3040e elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"5f3040e\" data-element_type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"Line of credit calculator\",\n          \n          \"datePublished\": \"2024-03-05T11:12:41+00:00\",\n          \"dateModified\": \"2025-05-20T07:45:17+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Ashlyn Brooks\",\n              \"url\": \"https:\/\/swoopfunding.com\/us\/author\/ashlyn-brooks\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/us\/author\/ashlyn-brooks\/\" aria-label=\"Ashlyn Brooks\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2024\/02\/ashlyn-photo-scaled-1.jpg\" data-lazy-src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2024\/02\/ashlyn-photo-scaled-1.jpg?is-pending-load=1\" alt=\"Ashlyn Brooks\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/us\/author\/ashlyn-brooks\/\">Ashlyn Brooks<\/a>. <span>Last reviewed on May 20, 2025<\/span>. <span>Next review due October 1, 2026.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2024\/02\/ashlyn-photo-scaled-1.jpg\" data-lazy-src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2024\/02\/ashlyn-photo-scaled-1.jpg?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Ashlyn Brooks<\/div>\n <div class=\"role-user\">Expert financial copywriter<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-926cf5e elementor-hidden-mobile\" data-id=\"926cf5e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-139c1fc elementor-widget elementor-widget-image\" data-id=\"139c1fc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"682\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2023\/07\/image-calculator-1024x682.jpg\" class=\"attachment-large size-large wp-image-21824\" alt=\"Calculator\" srcset=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2023\/07\/image-calculator-1024x682.jpg 1024w, https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2023\/07\/image-calculator-300x200.jpg 300w, https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2023\/07\/image-calculator-768x512.jpg 768w, https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2023\/07\/image-calculator-30x20.jpg 30w, https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2023\/07\/image-calculator-80x53.jpg 80w, https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2023\/07\/image-calculator.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a2df328 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2df328\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0de743c\" data-id=\"0de743c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7f89b0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f89b0d\" data-element_type=\"section\" id=\"calculator\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-63e224a\" data-id=\"63e224a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32e1b37 elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"32e1b37\" data-element_type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a512fa elementor-widget elementor-widget-ucaddon_line_of_credit_calculator\" data-id=\"6a512fa\" data-element_type=\"widget\" data-widget_type=\"ucaddon_line_of_credit_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n<div class=\"form-calculator\" >\n <div class=\"left_column\">\n <form id=\"line-of-credit-calculator\">\n <div class=\"form-group\">\n <label for=\"currentBalance\">Current balance<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"currentBalance\" value=\"10000\" inputmode=\"numeric\" required>\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"interestRate\">Interest rate<\/label>\n <div class=\"tag-number\">\n <span id=\"interestRateValue\" class=\"value-tag\">5<\/span>%\n <\/div>\n <\/div>\n <input type=\"range\" class=\"slider\" id=\"interestRate\" min=\"0\" max=\"20\" step=\"0.1\" value=\"5\">\n <\/div>\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"payoffGoal\">Payoff goal<\/label>\n <div class=\"tag-number\">\n <span id=\"payoffGoalValue\" class=\"value-tag\">120<\/span> months <\/div>\n <\/div>\n <input type=\"range\" class=\"slider\" id=\"payoffGoal\" min=\"1\" max=\"360\" step=\"1\" value=\"120\">\n <\/div>\n <div class=\"form-group\">\n <label for=\"currentMonthlyPayment\">Current monthly payment<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"currentMonthlyPayment\" value=\"100\" inputmode=\"numeric\" required>\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <\/form>\n <p class=\"note-calculator\">This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.<\/p>\n <\/div>\n <div class=\"right_column\">\n <p class=\"title\">Your results<\/p>\n\n <p class=\"title-result\">New monthly payment<\/p>\n <p class=\"number-result\">$<span id=\"newMonthlyPayment\">0<\/span><\/p>\n\n <a href=\"https:\/\/us.swoopfunding.ca\/stage\/\" class=\"btn btn-lg btn-dark btn-block\" target=\"_blank\" rel=\"noopener\">Borrow $<span id=\"resultCTA\"><\/span><\/a>\n\n <\/div>\n<\/div>\n<div style=\"max-width: 878px; margin: 30px auto;\">\n <h4><span id=\"newMonthlyPaymentValue\"><\/span> per month will payoff credit line in <span id=\"payoffValue\"><\/span> months<\/h4>\n <canvas id=\"paymentChart\"><\/canvas>\n<\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-523a1bd e-flex e-con-boxed e-con e-parent\" data-id=\"523a1bd\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ce71a0 elementor-widget elementor-widget-text-editor\" data-id=\"0ce71a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>Understanding business line of credit<\/strong><\/h2><p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/business-line-of-credit\/\"><span style=\"font-weight: 400;\">business line of credit<\/span><\/a><span style=\"font-weight: 400;\"> is like a fuse between a loan and a credit card for businesses. It&#8217;s a flexible option for financing that gives businesses access to funds up to a set credit limit. Unlike a traditional loan where the entire amount is disbursed at once, a line of credit allows you to take out funds as needed.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Then, interest is only charged on the amount you use, making it a great choice for managing cash flow, covering unexpected expenses, or financing short-term business needs. Many times, these are used to bridge gaps between receivables (incoming funds) and payables (what needs to be paid), so you keep smooth daily operations.\u00a0<\/span><\/p><h2><strong>What is a line of credit calculator?<\/strong><\/h2><p><span style=\"font-weight: 400;\">The Swoop <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loan-calculator\/line-of-credit-calculator\/\"><span style=\"font-weight: 400;\">line of credit calculator<\/span><\/a><span style=\"font-weight: 400;\"> is an online tool that helps you estimate the monthly payments as well as how long it will take to pay off the credit line used. Our aim is to help you understand what it takes to pay back your line of credit debt before it\u2019s used.\u00a0<\/span><\/p><h3><strong>How do I use a line of credit calculator?<\/strong><\/h3><p><span style=\"font-weight: 400;\">Start by entering your balance (current or estimated), then your interest rate and your payoff goal, which is the number of months you\u2019d like to pay it off in. Finally, enter your monthly payment, and the \u2018your results\u2019 will populate. <\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">From here you can see what your projected monthly payment should be to reach you payoff goal as well as how it compares to your current monthly payment.\u00a0<\/span><\/p><h2><strong>How do I calculate interest on a line of credit?<\/strong><\/h2><p><span style=\"font-weight: 400;\">The easiest way is to see your terms and conditions provided by your lender but to do it by hand you\u2019ll need access to a few things including; you interest rate, the total principal banace and how long you\u2019ll take to repay.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Here\u2019s how it works:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Determine the daily interest rate <\/b><span style=\"font-weight: 400;\">by dividing the annual interest rate by 365. For example, if the annual rate is 8%, the daily interest rate would be 0.0219%.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Calculate the daily interest <\/b><span style=\"font-weight: 400;\">by multiplying the borrowed amount by the daily interest rate.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Find the total interest <\/b><span style=\"font-weight: 400;\">by multiplying the daily interest by the number of days the amount is not repaid (outstanding).<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">So if you borrow $50,000 at 8% annual interest for 30 days, the interest would be about $328.77.\u00a0<\/span><\/p><h2><strong>How are the repayments calculated?<\/strong><\/h2><p><span style=\"font-weight: 400;\">Repayments on a line of credit typically include both principal and interest. Each repayment reduces the outstanding balance, and since interest is only charged on what you owe, your future payments decrease as you pay down the balance.<\/span><\/p><p><span style=\"font-weight: 400;\">For example, if you have a line of credit with a limit of $100,000 and borrow $50,000, your monthly repayment will cover the interest on the $50,000 plus any principal amount you choose to pay. If you pay $10,000 toward the principal, your interest for the next month will be calculated on the remaining $40,000. This repayment flexibility helps manage costs while keeping your borrowing within your financial means.<\/span><\/p><h2><strong>Can I use this to work out how much I can afford to borrow on a line of credit?<\/strong><\/h2><p><span style=\"font-weight: 400;\">No, but you can use the calculator to see how long it will take you to pay off a line of credit, which is just as helpful. To estimate <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/how-much-business-loan-can-i-get\/\"><span style=\"font-weight: 400;\">how much you can borrow<\/span><\/a><span style=\"font-weight: 400;\"> on a line of credit, you would need to speak with a lender. Each has its own ways of determining who is eligible for which amounts. Things to consider checking for yourself include:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your business credit score<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your debt to income<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your previous years of tax returns for gross income<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The average of your industry<\/span><\/li><\/ol><h2><strong>5 types of line of credit lenders to consider<\/strong><\/h2><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Traditional banks <\/b><span style=\"font-weight: 400;\">can offer competitive interest rates and large credit limits but require a heavy amount of documentation and a strong <\/span><a href=\"https:\/\/swoopfunding.com\/us\/support-for-small-businesses\/how-to-build-your-business-credit\/\"><span style=\"font-weight: 400;\">business credit history<\/span><\/a><span style=\"font-weight: 400;\"> (690+ typically).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/credit-union-business-loans\/\"><b>Credit unions<\/b><\/a> <span style=\"font-weight: 400;\">are community-focused lenders that may offer lower rates and personalized service but have limited availability in certain locations.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Online lenders <\/b><span style=\"font-weight: 400;\">are known for fast approvals and flexible terms but may have higher interest and associated fees.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Alternative financing platforms <\/b><span style=\"font-weight: 400;\">can connect borrowers to various lenders and provide tailored credit solutions based on your business profile.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Government programs <\/b><span style=\"font-weight: 400;\">are not uncommon in some countries. These are government-backed lenders that provide lines of credit with lower rates and longer repayment terms to support small businesses.<\/span><\/li><\/ol><h2><strong>4 Types of lines of credit to consider<\/strong><\/h2><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>A secured line of credit<\/b><span style=\"font-weight: 400;\"> is backed by collateral such as real estate, assets, or inventory, offering lower interest rates.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>An unsecured line of credit <\/b><span style=\"font-weight: 400;\">requires no collateral but comes with higher interest rates since it takes on increased lender risk.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>A business credit card <\/b><span style=\"font-weight: 400;\">is not exactly a traditional line of credit but offers a revolving line of credit used for everyday expenses, often with rewards or cashback features.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>A supplier credit line <\/b><span style=\"font-weight: 400;\">may be offered by some suppliers, allowing businesses to purchase goods on credit with repayment terms that suit the business cycle.<\/span><\/li><\/ol><h2><strong>Alternative funding options for your business<\/strong><\/h2><p><span style=\"font-weight: 400;\">If a line of credit doesn\u2019t fit your business\u2019s needs, consider alternative funding options. For starters, <\/span><a href=\"https:\/\/swoopfunding.com\/us\/equity-financing\/\"><span style=\"font-weight: 400;\">equity financing<\/span><\/a><span style=\"font-weight: 400;\"> allows you to raise capital by selling shares in your business. Then <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/invoice-factoring\/factoring-vs-discounting\/\"><span style=\"font-weight: 400;\">invoice financing<\/span><\/a><span style=\"font-weight: 400;\"> lets you borrow against unpaid invoices to free up cash flow.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Another option is peer-to-peer lending platforms that can provide fast loans with flexible terms. Additionally, crowdfunding is a viable option for businesses with innovative products or community-driven missions.\u00a0<\/span><\/p><h2><strong>Next steps on getting a business line of credit<\/strong><\/h2><p><span style=\"font-weight: 400;\">After you\u2019ve taken a look at your finances and compared them to our calculator estimates, it\u2019s time to prepare for an application. Here\u2019s the steps to get on your way to a business line of credit.\u00a0<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Evaluate your business needs:<\/b><span style=\"font-weight: 400;\"> Determine how a line of credit would support your business goals. The lender will likely want to know what plans you have for the funds at the start of the application and it\u2019s a great proactive measure to have an answer ready.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Check eligibility and requirements:<\/b><span style=\"font-weight: 400;\"> Review your credit score and financial history. Plus don\u2019t be afraid to ask before you apply what are the averages applications coming in with so you know if you stand a decent change at gaining approval.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prepare your business and personal documentation:<\/b><span style=\"font-weight: 400;\"> Gather financial statements, tax returns, and bank summaries for both your personal and your business side. Unless you\u2019ve been in business for quite some time and have a large amount of cash and non-cash assets on hand, they will likely request both your personal and business information. This is to make sure you have the means to repay from either avenue.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compare lenders:<\/b><span style=\"font-weight: 400;\"> Look for favorable terms, interest rates, and credit limits from a potential lender. There\u2019s no shame in shopping around and seeing what the competition has to offer. It will come in handy for the final step.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Apply and negotiate:<\/b><span style=\"font-weight: 400;\"> Submit your application and negotiate the best terms based on your business\u2019s financial standing. The first offer may not be their best and you should have no fear of being told the words \u2018no\u2019 for asking. It\u2019s much better to ask now and get rejected instead of regretting not asking at all.<\/span><\/li><\/ol><h2><strong>How Swoop can help<\/strong><\/h2><p><span style=\"font-weight: 400;\">At Swoop, we simplify the process of finding the funding avenue for our users and this includes securing the right <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/business-line-of-credit\/\"><span style=\"font-weight: 400;\">business line of credit<\/span><\/a><span style=\"font-weight: 400;\">. Our platform connects you to a wide range of lenders, allowing you to compare terms, interest rates, and credit limits in one place. Whether you need short-term financing or a long-term revolving line of credit, Swoop\u2019s solutions help you secure the best funding option.\u00a0<\/span><\/p><p><a href=\"http:\/\/us.swoopfunding.ca\/stage\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Use our platform today<\/span><\/a><span style=\"font-weight: 400;\"> to explore customized funding opportunities and keep your business moving forward.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1034e7a e-flex e-con-boxed e-con e-parent\" data-id=\"1034e7a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d149efe elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"d149efe\" data-element_type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div 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class=\"elementor-element elementor-element-da46449 e-con-full e-flex e-con e-child\" data-id=\"da46449\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d875f85 elementor-widget elementor-widget-heading\" data-id=\"d875f85\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Ready to grow your business?<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a64d0f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7a64d0f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/us.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a060371 e-flex e-con-boxed e-con e-parent\" data-id=\"a060371\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e929a8 elementor-widget elementor-widget-template\" data-id=\"7e929a8\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"41792\" class=\"elementor elementor-41792\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44178d42 e-con-full cta-mobile-fixed elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet e-flex e-con e-parent\" data-id=\"44178d42\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;fixed&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-405378b4 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"405378b4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#calculator\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Calculate now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Line of credit calculator Our line of credit calculator can be used to estimate your potential borrowing costs and payments for a line of credit. It takes into account factors such as the interest rate, credit limit, and repayment terms.\u00a0 Page written by Ashlyn Brooks. Last reviewed on January 2, 2025. Next review due October [&hellip;]<\/p>\n","protected":false},"author":99,"featured_media":0,"parent":17791,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-28178","page","type-page","status-publish","hentry"],"acf":[],"rankMath":{"parentDomain":"swoopfunding.com","noFollowDomains":[],"noFollowExcludeDomains":[],"noFollowExternalLinks":false,"featuredImageNotice":"The featured image should be at least 200 by 200 pixels to be picked up by Facebook and other social media sites.","pluginReviewed":false,"postSettings":{"linkSuggestions":true,"useFocusKeyword":false},"frontEndScore":false,"postName":"line-of-credit-calculator","permalinkFormat":"https:\/\/swoopfunding.com\/us\/business-loan-calculator\/line-of-credit-calculator\/","showLockModifiedDate":true,"assessor":{"focusKeywordLink":"https:\/\/swoopfunding.com\/us\/wp-admin\/edit.php?focus_keyword=%focus_keyword%&post_type=%post_type%","hasTOCPlugin":true,"primaryTaxonomy":false,"serpData":{"title":"Line of credit calculator: Work out your repayments | Swoop","description":"Our line of credit calculator can be used to estimate your potential borrowing costs and payments for a line of credit. Use it for free here!","focusKeywords":"line of credit calculator","pillarContent":false,"canonicalUrl":"","breadcrumbTitle":"","advancedRobots":{"max-snippet":"-1","max-video-preview":"-1","max-image-preview":"large"},"facebookTitle":"","facebookDescription":"","facebookImage":"","facebookImageID":"","facebookHasOverlay":false,"facebookImageOverlay":"","facebookAuthor":"","twitterCardType":"","twitterUseFacebook":true,"twitterTitle":"","twitterDescription":"","twitterImage":"","twitterImageID":"","twitterHasOverlay":false,"twitterImageOverlay":"","twitterPlayerUrl":"","twitterPlayerSize":"","twitterPlayerStream":"","twitterPlayerStreamCtype":"","twitterAppDescription":"","twitterAppIphoneName":"","twitterAppIphoneID":"","twitterAppIphoneUrl":"","twitterAppIpadName":"","twitterAppIpadID":"","twitterAppIpadUrl":"","twitterAppGoogleplayName":"","twitterAppGoogleplayID":"","twitterAppGoogleplayUrl":"","twitterAppCountry":"","robots":{"index":true},"twitterAuthor":"username","primaryTerm":0,"authorName":"Ashlyn Brooks","titleTemplate":"%title% 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