For many businesses, it’s essential to have quick access to cash. Maybe you want to take advantage of discounts when purchasing inventory, or perhaps you have cash needs which are seasonal. For these or many other situations, an established line of credit offers you a preapproved source for the funds you need. You have the flexibility of paying interest only each month or paying down your principal balance, and you can access your existing credit (up to your preapproved limit) with just a phone call.