What is typically assessed
Time in business, monthly revenue, deposit consistency, existing obligations and credit profile. Because a line is revolving, funders pay particular attention to whether your cash flow is steady enough to support drawing and repaying repeatedly.
Prepare before you apply
Run all business income through a single business bank account. Avoid frequent negative balances and returned items in the months before you apply — they weigh heavily on a cash-flow-based review. Have three to six months of statements and your business details ready.
Ask for a realistic limit
Requesting a limit far beyond your revenue tends to slow the review. A limit sized sensibly against monthly deposits is easier to approve and easier to increase later.
Then use it well
Draw for defined purposes, repay on a plan, and keep utilization moderate. That behaviour is exactly what supports a higher limit at review.
Related funding solution
Business Line of Credit
Use what you need, when you need it.