$5K–$1M
Limit Range
LINE OF CREDIT
Flexible Line of Credit for On-Demand Draws
Draw when you need it and pay interest only on what you use; revolving access for ongoing needs.
Stratas is a brokerage. Credit lines are issued by third-party lenders and are subject to approval, verification, and ongoing reviews. Rates are variable and may change; draw, maintenance, or other fees can apply per lender policy. Personal guarantees, liens, and financial statements may be required. Submitting an application is not a commitment to lend or a guarantee of approval. By proceeding you agree to Stratas Terms of Service, Business Financing Terms and Conditions, and Privacy Policy.
Capital On Demand
$65,000*
Average Line Size
Qualification
Based On Application
Support
Dedicated Funding Specialists
*Average amount based on historical revolving-capital transactions; not a guarantee of approval or terms. Stratas is a brokerage. Credit lines are issued by third-party lenders and are subject to approval, verification, and ongoing reviews. Rates are variable and may change; draw, maintenance, or other fees can apply per lender policy. Personal guarantees, liens, and financial statements may be required. Submitting an application is not a commitment to lend or a guarantee of approval. By proceeding you agree to Stratas Terms of Service, Business Financing Terms and Conditions, and Privacy Policy.
Line of Credit
Capital On
Demand
Draw when you need it, repay at your pace, and only pay interest on what you use.
- $5K–$1MLimit Range
- $65KAvg Line*
- 24–72 hrsTypical Approval
*Average amount based on historical revolving-capital transactions; not a guarantee of approval or terms.
Fast Facts
$5K–$1M
Limit Range
$65,000*
Average Line Size
Qualification
Based On Application
Support
Dedicated Funding Specialists
*Average amount based on historical revolving-capital transactions; not a guarantee of approval or terms.
What is a Line of Credit?
With our revolving credit, you’re approved for a limit and draw funds only when needed. You pay interest on what you use, repay draws at your pace (subject to program rules), and can redraw as you operate—ideal for managing uneven cash flow or short-cycle projects.
Draw when needed
Pay interest on what you use
Redraw as you repay
Limits, pricing, and reviews vary by provider. Rates are often variable, and draw or maintenance fees can apply. Responsible use lets you keep access ready while controlling carrying cost.
What is a Line of Credit?
With our revolving credit, you’re approved for a limit and draw funds only when needed. You pay interest on what you use, repay draws at your pace (subject to program rules), and can redraw as you operate—ideal for managing uneven cash flow or short-cycle projects.
Limits, pricing, and reviews vary by provider. Rates are often variable, and draw or maintenance fees can apply. Responsible use lets you keep access ready while controlling carrying cost.
Capital On Demand
Draw when you need it, repay at your pace, and only pay interest on what you use.
Stratas is a brokerage. Credit lines are issued by third-party lenders and are subject to approval, verification, and ongoing reviews. Rates are variable and may change; draw, maintenance, or other fees can apply per program. Personal guarantees, liens, and financial statements may be required. Submitting an application is not a commitment to lend or a guarantee of approval.
Capital On Demand
Draw when you need it, repay at your pace, and only pay interest on what you use.
Stratas is a brokerage. Credit lines are issued by third-party lenders and are subject to approval, verification, and ongoing reviews. Rates are variable and may change; draw, maintenance, or other fees can apply per program. Personal guarantees, liens, and financial statements may be required. Submitting an application is not a commitment to lend or a guarantee of approval.
How to Apply for a Line of Credit
-
Fill Out the Form to Get Pre-Qualified
Complete the short form below with basic business info so we can pre-check eligibility fast.
-
Submit Your Application
Upload bank statements and ID, then finalize your application for underwriting review.
-
Receive Funding Offers
Compare offers and terms. Your specialist will help you choose the best fit for cash flow.
-
Get Funded
Finalize docs and receive line of credit—often within 24–48 hours after approval and verification.
Is a Line of Credit Right for You?
If your business does not meet these criteria, you may not be eligible for a line of credit. However, you could still qualify for another Stratas funding product.
-
Minimum of 12 monthsTime in Business
-
At least $35,000Average Monthly Revenue
-
650 or higherCredit Score
Stratas is a brokerage. Limits typically range from $5,000 to $500,000. Lines are revolving—draw, repay, and re-use; interest accrues only on the outstanding balance. Pricing is usually variable; some programs may include draw or inactivity fees. Access and timelines vary by program and credit profile.
What You’ll Need To Apply
Below are the documents and details we almost always require, plus items that may be requested depending on product, amount, and underwriting review.
Copied ✓
Required for all applications
Basic Business Information
Legal name and DBA, EIN, business address, ownership percentages, entity type, industry, and contact details.
Signer Identification
Government ID and basic KYC for the authorized signer. Personal info may be used for a soft credit check.
Business Bank Statements
Last 3–6 months of statements to confirm deposits, cash flow, and account health.
Funding Account Details
Voided check or bank letter with routing and account number for funding and remittances.
Corporate & Ownership Documents
Articles/organization, operating agreement or bylaws, ownership ledger/cap table, active licenses, and IDs for owners.
Product-specific items (requested based on product and amount)
Business & Personal Tax Returns
Common for term loans and SBA requests, or for larger limits and longer terms.
Financial Statements
YTD profit & loss and balance sheet, plus a debt schedule; projections for startups or acquisitions.
Program Packets
Examples: A/R aging and invoices/POs for factoring; purchase contracts, appraisals, or environmental for real estate/equipment; franchise addenda for SBA.
Existing Debt Details
Statements or payoff letters for current loans or advances if consolidating or refinancing.
Collateral & Insurance Evidence
UCC search, equipment lists, COI, or landlord contact; required when collateral or assignments apply.
Tip: Submitting clean, consistent statements and complete ownership information shortens review time across all products.
Stratas — Where Capital Meets Growth
Capital Deployment Strategy. Funding with a plan.
We line up the right term loan or access to capital and a simple month-by-month plan: what the money buys, when it’s used, and what we expect back. Think marketing that fills the calendar, software that saves hours, faster payments, and weekly check-ins so nothing drifts.
Term Loan / Access to Capital
For acquisitions, expansion, and working capital—with a plan behind every dollar.
$250,000 – $6,000,000typical funding range
- Move quickly at competitive rates so you can secure the deal, equipment, or build-out.
- Milestone releases + weekly reviews—you draw only what you need, when you need it.
- SBA options (7(a), 504) Longer Terms Up to 16M
Why this works
Money alone doesn’t fix growth—how you spend it does. We help you decide where each dollar goes and how it comes back.
Every engagement runs on a weekly cadence: owners, targets, and a simple scorecard. You stay in control and see progress in real time.
- 2,500+businesses served
- $100M+funded
- USAnationwide coverage
- SBApartnered programs
How we deploy capital
-
Marketing (B2B & B2C)Ads and content that bring in qualified leads; CRM follow-ups that turn them into booked work.
-
Operational SoftwareCRM, quoting, scheduling, and service tools built around how you sell and deliver.
-
AI SystemsPhone/chat that answers and follows up, writing assistants for outreach, and simple dashboards for decisions.
-
AutomationsAutomatic handoffs and reminders so tasks happen on time without extra headcount.
-
PaymentsModern processing that releases funds fast and lowers fees—your cash stays in play.
-
Executive ConsultingClear owners, weekly reviews, and 3–5 KPIs that keep momentum.
- SBA Loans (7(a) & 504)
- Lines of Credit
- Revenue-Based Financing (MCA)
- Invoice Factoring
Available nationwide.
Multi-Location Dental Group
We deployed $1.0M across paid media, outbound, CRM clean-up, phone AI, and simple automations. The weekly scorecard tracked booked visits, show rate, and revenue per visit. Funds were released in stages only when each step was ready.
- Payback: ~7 months
- 12-month return: ~2.5× (about +$1.5M net)
- Cost per new patient: down ~18%
- Funds held: none—modern payments
How It Works
-
Fill Out the Form to Get Pre-Qualified
Complete the short form below with basic business info so we can pre-check eligibility fast.
-
Submit Your Application
Upload bank statements and ID, then finalize your application for underwriting review.
-
Receive Funding Offers
Compare offers and terms. Your specialist will help you choose the best fit for cash flow.
-
Get Funded
Finalize docs and receive capital—often within 24–48 hours after approval and verification.
LOC: Quick Eligibility Check
If one of these isn’t a match, you may still qualify for another product.
-
12+ monthsTime in Business
-
At least $35,000Average Monthly Revenue
-
650 or higherCredit Score
Lines are revolving—draw, repay, and re-use; interest accrues only on the outstanding balance. Limits typically range from $5,000 to $500,000. Rates usually variable; fees may apply by program.
Application Checklist
-
Legal name & DBA, EIN, address, ownership percentages, entity type, industry, and contact details.
-
Government ID and basic KYC for the authorized signer. Personal info may be used for a soft credit check.
-
Last 3–6 months of statements to confirm deposits, cash flow, and account health.
-
Voided check or bank letter with routing and account number for funding and remittances.
-
Articles/organization, operating agreement or bylaws, ownership ledger/cap table, active licenses, and IDs for owners.
-
Often requested for term loans and SBA, or for larger limits/longer terms.
-
YTD profit & loss and balance sheet, plus a debt schedule; projections for startups or acquisitions.
-
Factoring: A/R aging & invoices/POs. Real estate/equipment: contracts, appraisals, environmental. SBA: franchise addenda, etc.
-
Statements or payoff letters for current loans or advances if consolidating or refinancing.
-
UCC search, equipment lists, COI, landlord contact; required when collateral or assignments apply.
Tip: Clean, complete statements + ownership info = faster decisions.
Stratas — Where Capital Meets Growth
Capital Deployment Strategy Funding with a plan.
We line up the right term loan or access to capital and a simple month-by-month plan: what the money buys, when it’s used, and what we expect back. Think marketing that fills the calendar, software that saves hours, faster payments, and weekly check-ins so nothing drifts.
Term Loan / Access to Capital
For acquisitions, expansion, and working capital—with a plan behind every dollar.
$250,000 – $6,000,000typical funding range
- Move quickly at competitive rates so you can secure the deal, equipment, or build-out.
- Milestone releases + weekly reviews—draw only what you need, when you need it.
- SBA options (7(a), 504) when longer terms or larger projects make sense.
Why this works
Money alone doesn’t fix growth—how you spend it does. We help decide where each dollar goes and how it comes back.
Every engagement runs on a weekly cadence: clear owners, simple targets, and a short scorecard. You stay in control and see progress in real time.
- 2,500+businesses served
- $100M+funded
- USAnationwide coverage
- SBApartnered programs
How we deploy capital
-
Marketing (B2B & B2C)Ads and content that bring in qualified leads; CRM follow-ups that turn them into booked work.
-
Operational SoftwareCRM, quoting, scheduling, and service tools built around how you sell and deliver.
-
AI SystemsPhone/chat that answers and follows up, writing assistants for outreach, and simple dashboards for decisions.
-
AutomationsAutomatic handoffs and reminders so tasks happen on time without extra headcount.
-
PaymentsModern processing that releases funds fast and lowers fees—your cash stays in play.
-
Executive ConsultingClear owners, weekly reviews, and 3–5 KPIs that keep momentum.
Deployment playbook
- Validate: Baseline economics, capacity, and constraints.
- Build: Creative, funnel, CRM, and AI/automation builds.
- Launch: Phase-gated spend with benchmarks and guardrails.
- Optimize: Weekly scorecards & rapid A/B iteration.
- Scale: Expand channels and headcount against payback windows.
Multi-Location Dental Group
Objective: Grow new-patient production while reducing no-shows and admin load.
Before
- Fragmented leads & CRM
- Slow responses (mins/hours)
- No-show rate ~21%
After (12 mo)
- Unified CRM + Phone AI
- Responses in seconds
- No-show rate ~9%
- Deployed: $1.0M across media, outbound, CRM clean-up, Phone AI, automations
- Payback: ~7 months
- 12-month return: ~2.5× (about +$1.5M net)
- Funds held: none—modern payments