Financing

Lines of credit that flex with your business

A line of credit gives you access to a set limit that you can draw against, repay, and draw again. You only pay for what you use, which makes it a flexible tool for managing cash flow, covering short term gaps, and acting quickly when an opportunity appears.

Overview

Capital that is ready when you are

Kairos Equities works with both business lines of credit and personal credit lines, often called PCL, for owners who want flexible access tied to their personal profile. We help you understand the tradeoffs and position your file for the strongest available limit and terms.

Common uses

Cash flow managementSeasonal swingsBridging receivablesInventory purchasingOpportunistic buysStandby reserve
Process

How it works

Assess

We review your revenue, credit, and how you intend to use the line.

Match

We identify lenders and line structures that fit your profile.

Package

We present your file to support the strongest limit and terms.

Activate

Your line is established and ready to draw whenever you need it.

What to expect

Structure and terms

Illustrative overview. Actual amounts, rates, and terms vary by lender and borrower profile.
StructureRevolving credit up to an approved limit
TypesBusiness lines of credit and personal credit lines (PCL)
RepaymentFlexible, with interest on the drawn balance
Best forVariable, recurring, or time sensitive capital needs
RatesCompetitive and market based, varying by lender and borrower profile
Figures shown are illustrative and for general information only. Final amounts, rates, and terms are determined by third party lenders based on your specific situation.
Qualification

Do you qualify?

Lines of credit weigh both the business and, for owner lines, the owner profile. Strong files often show the following.

  • An operating business or a qualified owner profile
  • Demonstrated revenue or income
  • Reasonable credit standing
  • A clear intended use for the line
  • Supporting financial documentation
Questions

Frequently asked questions

What is a PCL?
PCL refers to a personal credit line, a revolving line tied to an owner personal profile rather than the business entity. It can be a useful flexible funding source for owners, and we help you weigh it against business line options.
Do I pay for the full limit?
No. You only pay interest on the amount you actually draw. Undrawn availability sits ready without accruing interest in most structures.
Is Kairos Equities the lender?
No. We are an advisory and brokerage firm, not a direct lender or bank. We connect you with third party lenders and help you prepare a strong file.
Can I have both a line and a term loan?
Yes. Many businesses pair a term loan for a specific project with a line of credit for flexibility. We help you structure the combination sensibly.

Explore lines of credit

Tell us about your business and goals, and we will help you find and secure the right financing.

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