Interest-Only Revolving Line of Credit
Unlock a flexible source of business capital that lets you draw funds as needed and pay only interest on what you use. Our Intrest only business line of credit option gives your company ongoing access to capital for cash flow, growth, and unexpected expenses — with terms designed for modern businesses.
The Interest-Only Bankroll: Strategic Capital Architecture
The IO-Bankroll is more than just a line of credit—it is a strategic facility designed to fuel your growth without choking your cash flow.
Whether you are scaling for a major contract, managing rising labor costs, integrating new technology, or funding a site expansion, our facility is engineered to put you in the driver’s seat. We provide the capital you need today while protecting your liquidity for tomorrow.
The Leonard Capital Advance Advantage
Our facility is backed by a leading bank-direct originator, ensuring you get the speed of a fintech lender with the professional-grade security and tax-deductible benefits (OBBBA 2026) that established business owners demand.
Stop guessing what you qualify for. We use our proprietary AI software to show you exactly how much "Interest-Only" leverage you have—with only a soft pull.
IO-Bankroll Is The Gold Standard:
IO-Bankroll Advantages:
Unmatched Flexibility
Cash Flow Preservation
Cash Flow Preservation
Benefit from a unique 11-month revolving period that allows you to draw funds and pay down your principal balance on your own schedule.
Cash Flow Preservation
Cash Flow Preservation
Cash Flow Preservation
Optimize your overhead with low, Interest-Only payments for up to a year.
Rapid Deployment
Structured Growth
Structured Growth
Skip the weeks of traditional bank red tape. We provide approvals on amounts up to $1,000,000 in as little as 24 hours.
Structured Growth
Structured Growth
Structured Growth
Couple your revolving period with fixed-term options up to 3 years, giving you the predictable roadmap necessary for long-term profitability.
MINIMUM QUALIFICATIONS – ARE WE A MATCH?
Time in Business
Time in Business
Time in Business
Businesses must be open and operating for a minimum of 4 years under the same ownership to qualify.
Sales Volume
Time in Business
Time in Business
Businesses generating $1,500,000 annually ($125,000 monthly) may qualify for IO-Bankroll.
Credit Score
Time in Business
Home Ownership
Less than perfect credit is not a barrier. We can work with an Equifax credit score of 651+ or higher.
Home Ownership
Home Ownership
Home Ownership
To qualify for IO Bankroll, applicant must own their home in their name. If there is a mortgage, it must be current.
Bank Balances
Home Ownership
Bank Balances
Business owners must maintain an average daily bank balance of $10,000 to qualify for IO Bankroll.
IO-Bankroll Advantages:
Predictable Repayment Terms
Predictable Repayment Terms
Predictable Repayment Terms
After the revolving period, you may convert outstanding balances to structured repayments with low, fixed payments through the remaining term.
Interest‑Only Payments
Predictable Repayment Terms
Predictable Repayment Terms
During the initial period, many interest‑only programs allow smaller payments by charging only the interest on what you’ve used, helping preserve your working capital.
Revolving Credit Structure
Flexible Draws & Unlimited Access
Flexible Draws & Unlimited Access
Pay down your balance and reuse the credit repeatedly during the revolving period. This ongoing access can act as a financial safety net for seasonal needs and growth initiatives.
Flexible Draws & Unlimited Access
Flexible Draws & Unlimited Access
Flexible Draws & Unlimited Access
Unlike a single lump‑sum loan, you can draw funds repeatedly up to your approved limit throughout the revolving period. Each principal paydown frees up additional availability.
