Commercial line of credit  also known as 0perating loans where a company gives you a credit limit that can be drawn from whenever your business is in need of capital. You and the lender will agree upon a maximum amount  based on several factors such as the revenue and credit worthiness of your company. Then you can borrow the money whenever your company needs of financing as long as you don’t exceed to your limit.

Commercial line of credit gives your business the flexibility to cover unexpected shortage of cash. An operating loan gives you immediate access to cash with no annual review and the option to pay overtime.