RMO

Part of RMO Payment Services →

Business Line of Credit

Keep your business running smoothly with an RMO line of credit. Access funds when you need them for inventory, payroll, seasonal expenses, or growth opportunities.

Revolving Credit Draw as Needed Always Available
Features

What comes with your loan.

Competitive terms and features designed for RMO members.

Working Capital

Cover payroll, inventory, and operating expenses with flexible access to funds.

Revolving Access

Draw, repay, and draw again without reapplying — funds are always there.

Interest on Usage

Only pay interest on the amount you draw, not your full credit limit.

Digital Management

Manage draws and payments from the MyRMO business platform.

Why RMO

Why members borrow with us.

Better rates, better terms, better support.

Cash Flow Bridge

Smooth out seasonal gaps and timing mismatches in your business cash flow.

Always Ready

Pre-approved funds mean you can act on opportunities without delays.

Cost Effective

Pay interest only on what you use — more efficient than a term loan for variable needs.

FAQ

Frequently asked questions

What Is the Buy Now Pay Later Line of Credit (LOC)?

The RMO Buy Now Pay Later Line of Credit gives members ongoing access to flexible financing without reapplying for each purchase.

Read the full answer in the Help Center →

What Is the Difference Between a Home Equity Loan and HELOC?

Both a home equity loan and a HELOC (Home Equity Line of Credit) allow you to borrow against the equity in your home, but they work differently. Home Equity Loan: Provides a lump sum of money upfront.

Read the full answer in the Help Center →

How Does a Revolving Line of Credit Work?

A revolving line of credit works differently from a traditional loan. Instead of receiving a lump sum, you are given a credit limit that you can draw against as needed.

Read the full answer in the Help Center →

How Do I Apply for a Business Line of Credit?

RMO Financial offers business lines of credit through the BizLine program, providing flexible revolving access to funds your business can draw on as needed.

Read the full answer in the Help Center →

Support

How can we help?

Have questions? We've got you covered.

Lending Disclosure. All loans are subject to credit approval, underwriting, and applicable terms. APRs vary based on creditworthiness, loan amount, term, and collateral. Rates and terms shown are accurate as of 2026-05-10 and are subject to change without notice. Information presented is for informational purposes only and does not constitute an offer or commitment to lend.
More from RMO

Related coverage for your business.

Members can combine multiple business lines under one membership.

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