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Business-Personal Line of Credit

The Shoppe has earned its positive reputation because we go out of our way to provide truly exceptional service to each of our customers. We understand that your needs can change last minute, and we’re ready to adapt our services quickly to ensure your success. Read on to learn more about what we can do for you.




  • $250,000 to $20,000,000 available in all 48 contiguous States. 

  • Payments are Interest Only (IO) 

  • No Personal Guarantee. 

  • No PPP Pre-Payment Penalty. 

  • Closing costs are taken from loan proceeds. 

  • MCA loans are not even a close option. Never have to close the asset account and lose equity or growth. 

  • Funds available only when needed.  You do not have to take the full loan amount at closing, 

  • No commitment from applicant until you have a Hard Loan Approval. 

  • The loan is backed by an FDIC-insured institution. 

  • 70% advance rate on non-qualified assets 

  • 95% advance rate on cash value life insurance 

  • Line of credit will not show on credit report


  • ​Bank Statements are not required to qualify.

  • Credit score over 670

  • Start-Ups OK

  •  US Citizen 

  • 2 years tax returns, business and personal required.

  • Completed Application and Personal Financial Statement (Ours Only Provided)

  •  Leverage up to 100% depending on the asset.

  •  All asset accounts qualify except for Retirement accounts.

  • The loan should be active for at least 3 months.

The Business-Personal Line of Credit or PLOC loan program has strict guidelines for compliance that must be adhered to. Failure to do so will cause your loan to be canceled. 

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