ビジネス信用枠

信用枠は、 ビジネスに柔軟な資金調達を提供します。

当社のマーケットプレイスで 1 回の検索を行うだけで、ビジネス ライン オブ クレジットやその他の資金調達オプションが利用可能かどうかを確認できます。

資金調達の検索

（クレジットスコアには影響しません） †

SoFi のマーケットプレイスは、SoFi Lending Corp. が所有および運営しています。 広告開示については展開してください 。



ビジネス資金調達に SoFiのマーケットプレイス を利用する理由は何ですか?

資金調達の検索

ビジネス向け信用枠が選択肢になるかどうかを検討してください 。

中小企業向け信用枠とは何ですか?

中小企業向け信用枠は、 中小企業向けローンと同様に、必要に応じて 短期的な事業経費を賄うための柔軟な方法 です 。信用枠は、従来のローンより もクレジットカードに近い仕組みです 。最初に一括で借りるのではなく、承認された限度額までリボルビングクレジットで融資を受けることができます。その後は、借入額に応じて毎月返済を行い、利息は元金に対してのみ発生します。SoFi

のマーケットプレイスでは、一度の検索でプロバイダーを見つけ、そのプロバイダーがビジネス向け信用枠を提供しているかどうかを確認できます。

資金調達の検索

(without impacting your credit score)†

What's the difference between secured and unsecured business lines of credit?


  • Collateral required
  • Interest rate
  • Term
  • Amount
  • Comparative ease of approval

Secured

  • Yes

  • Often lower

  • Frequently longer-term

  • Typically depends on
    collateral value, but often higher

  • Usually easier

Unsecured

  • No

  • Often higher

  • Frequently shorter-term; perhaps revolving

  • Typically smaller due
    to risk for the lender

  • Usually harder

無担保

  • いいえ

  • 多くの場合、

  • 多くの場合短期、おそらくリボルビング


  • 貸し手のリスクにより 通常は小さめ

  • 通常はより困難

Revolving versus nonrevolving lines of credit.

When you choose a business line of credit, you may be presented with two options:
a revolving or nonrevolving line of credit.

Revolving lines of credit

Revolving credit refers to a line of credit that you can access over and over again, subject to a total credit limit. Credit cards are one type of revolving credit.

Usually, revolving lines of credit have a higher interest rate and generally lower credit limit. The risk is typically higher for the lender. Once the credit is fully repaid, the account stays open and you can continue to use it as needed.

Nonrevolving lines of credit

Nonrevolving credit allows you to access a specific amount of money up front. Then you pay down your balance until it’s gone.

Usually, nonrevolving lines of credit have a lower interest rate and generally higher credit limit. The risk is typically higher for the borrower. Once the credit is fully repaid, the account closes and the borrower will need to reapply if they still need the credit line.

FAQs

A business line of credit, sometimes called a commercial line of credit, like a small business loan is a flexible way to cover business expenses like working capital, bills, inventory, or any other business needs.

Unlike a business loan, where you receive a lump-sum disbursement upon account opening, small business lines of credit provide as-needed access to financing through a revolving line, similar to a credit card. Monthly payments are made on what you borrow. 

See all FAQs

What is SoFi's marketplace?

SoFi’s marketplace is our way to help members shop for business financing. While SoFi doesn’t provide business loans directly, our marketplace may help you quickly find the financing solutions you need. You could find quotes from providers in minutes with one easy search.

Search for financing

Search business financing options in minutes.

Your time matters. That’s why we made it fast and easy to look for quotes in minutes.

Search for financing

(without impacting your credit score)†