If your business needs flexible, ongoing access to capital without the daily or weekly repayment burden of a merchant cash advance, a revolving business line of credit with monthly payments may be the ideal solution. At Blue Group Capital, we provide revolving credit lines with rates starting at just 1% to 2% per month and true monthly repayment schedules — giving your business breathing room to grow without cash flow strain.
This is not a merchant cash advance. This is a legitimate, revolving credit facility designed for businesses that want affordable, predictable financing with the flexibility to draw and repay as needed.
A revolving business line of credit works like a business credit card but with significantly higher limits and lower rates. You are approved for a maximum credit limit, and you can draw funds up to that limit whenever your business needs capital. As you repay, your available credit replenishes automatically, creating a permanent source of working capital that you never have to reapply for.
The key word is revolving. Unlike a term loan where you receive a lump sum and repay it over a fixed period, a revolving line of credit is always available. Draw $50,000 today, repay it over the next few months, and that $50,000 is available to draw again whenever you need it.
With a monthly payment revolving line of credit from Blue Group Capital, you make one predictable payment per month based on your outstanding balance. This is fundamentally different from daily or weekly repayment products that drain your cash flow every business day.
Here is how the economics work:
Monthly Rate: Rates range from 1% to 2% per month on the outstanding balance. If you draw $100,000 at a 1.5% monthly rate, your monthly interest cost is $1,500. You only pay interest on what you actually use — if your balance is $0, your cost is $0.
Credit Limits: Revolving credit lines are available from $10,000 to $500,000, depending on your business revenue, credit profile, and time in business. Well-qualified businesses may access higher limits.
Draw Period: Most revolving lines have an initial draw period of 12 to 24 months, with the option to renew. During the draw period, you can access funds as many times as needed up to your credit limit.
Repayment: Monthly payments are based on a percentage of your outstanding balance or a fixed amortization schedule. Payments are made once per month, giving your business 30 days between payments to generate revenue and manage cash flow.
It is critical to understand the difference between a revolving line of credit and a merchant cash advance (MCA). Many business owners confuse the two, but they are fundamentally different products with very different cost structures and impacts on your business.
Repayment Schedule: A revolving line of credit has monthly payments. An MCA typically requires daily or weekly payments deducted directly from your bank account or credit card sales. Daily payments can severely strain cash flow, especially during slow periods.
Cost Structure: A revolving line of credit charges interest only on the outstanding balance, typically 1% to 2% per month. An MCA uses a factor rate (usually 1.2 to 1.5), which means you pay a fixed cost regardless of how quickly you repay. The effective APR on an MCA can exceed 60% to 150%.
Revolving Access: A line of credit is revolving — as you repay, your credit becomes available again. An MCA is a one-time advance that must be fully repaid before you can get another one, often trapping businesses in a cycle of stacking advances.
Flexibility: With a line of credit, you draw only what you need, when you need it. With an MCA, you receive a lump sum whether you need the full amount or not, and you pay the full factor rate on the entire advance.
Impact on Cash Flow: Monthly payments allow your business to operate normally between payments. Daily MCA deductions can leave your account short for payroll, rent, and other obligations.
Blue Group Capital provides revolving lines of credit to businesses that meet the following general criteria:
Credit Score: A minimum personal credit score of 600 is required. Scores of 650 or higher qualify for the most competitive rates in the 1% to 1.5% monthly range.
Time in Business: At least 6 months in business is required, though businesses with 1+ years of operating history qualify for higher limits and better terms.
Monthly Revenue: Consistent monthly revenue of at least $10,000 is typically required. Businesses with higher revenue qualify for larger credit limits.
Bank Statements: We review your most recent 3 months of business bank statements to assess cash flow patterns and average daily balances.
Industry: Most industries qualify, including construction, restaurants, healthcare, retail, professional services, transportation, and manufacturing. Some restricted industries may apply.
The flexibility of a revolving line of credit makes it suitable for virtually any business purpose:
vs. Merchant Cash Advances: A revolving line of credit is dramatically more affordable with monthly (not daily) payments, revolving access, and rates of 1-2% per month versus effective APRs of 60-150%+ for MCAs. If you are currently using MCAs, switching to a revolving line of credit could save your business thousands of dollars per year.
vs. Term Loans: A term loan provides a lump sum for a specific purpose. A revolving line of credit provides ongoing, flexible access to capital. Many businesses benefit from both — a term loan for major investments and a line of credit for day-to-day working capital.
vs. SBA Loans: SBA loans offer the lowest rates but require extensive documentation, longer approval times, and citizenship requirements. A revolving line of credit can be approved in 24 to 72 hours with minimal documentation.
vs. Business Credit Cards: Business credit cards offer revolving access but typically with lower limits and higher rates (18% to 25% APR). A business line of credit provides higher limits and lower effective costs.
Step 1: Contact Our Team. Call us at (833) 489-3863 or complete our online application. Our team will discuss your business needs and explain your options.
Step 2: Submit Documentation. Provide your most recent 3 months of business bank statements, a valid government ID, and basic business information. The process takes just minutes.
Step 3: Receive Your Approval. Our expert team reviews your application and provides a decision, often within 24 hours. Approved businesses receive their credit limit, rate, and terms.
Step 4: Access Your Funds. Once approved, you can draw funds immediately. Capital is deposited directly into your business bank account, typically within 24 to 48 hours of your draw request.
Blue Group Capital is a recognized leader in business lines of credit, specializing in revolving credit facilities with monthly repayment schedules. We believe businesses deserve affordable, flexible financing — not the predatory daily-deduction products that trap business owners in a cycle of debt.
What sets us apart:
If your business is currently using merchant cash advances or daily-payment products, we can help you transition to a more sustainable, affordable revolving line of credit. Get started today and find out what you qualify for.
A revolving line of credit has monthly payments, charges interest only on the outstanding balance at 1-2% per month, and provides revolving access to funds. A merchant cash advance requires daily or weekly payments, uses a factor rate that can translate to 60-150%+ APR, and is a one-time advance that does not revolve.
Revolving credit lines are available from $10,000 to $500,000, depending on your business revenue, credit profile, and time in business. Higher limits may be available for well-qualified businesses.
Blue Group Capital typically provides approvals within 24 hours of receiving a complete application. Funds can be accessed within 24 to 48 hours of approval.
No. You only pay interest on the outstanding balance. If your balance is $0, your cost is $0. This makes a revolving line of credit one of the most cost-effective financing tools available.
In many cases, yes. Transitioning from an MCA to a revolving line of credit can significantly reduce your daily cash flow burden and overall financing costs. Contact Blue Group Capital to discuss your specific situation.
They share the revolving feature, but a business line of credit typically offers higher limits ($10K to $500K vs. $5K to $50K for most business credit cards) and lower effective rates. A line of credit also deposits cash directly to your bank account, giving you more flexibility in how you use the funds.
Blue Group Capital LLC is a business financing advisory firm. We provide tailored financing solutions for businesses in the US and Canada.
4800 N. Federal Highway
Boca Raton, FL 33431
5700 Yonge St
North York, ON M2M 4K2
*Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.
