Swan Street Consulting: Business Line of Credit in Albany, New York

Business Line of Credit FAQs for Albany, New York Businesses

What are eligibility requirements?

Your business must be U.S.-based, earn $10,000/month Deposits, be 6 months old, and have a 600 credit score.

How fast is funding?

Is this A Revolving Line Of Credit?

What is the approval process?

How long until I get funded?

No collateral is required. These are unsecured lines of credit based on your business revenue and credit history. Approval is based on your performance, not your assets.

Applying typically does not affect your credit score, as partners perform a soft credit pull during pre-qualification.

The approval process can vary, but many businesses in Albany see same-week approvals and payouts.

You can expect funding within 24-48 hours after approval, depending on the provider's requirements.

Does applying affect credit score?

Funds can be available in 24-48 hours after approval, depending on the provider and documentation.

Do I Need to offer Collateral For Funding?

Credit limits vary, but most qualified businesses can access between $10,000 and $250,000, depending on their revenue and credit profile. Some high-volume businesses may qualify for more.

How Much can I Borrow?

Yes. Business lines of credit are revolving, which means you can draw funds, repay, and draw again — just like a credit card, but designed for business use.

How do repayment terms work?

Repayment terms are flexible and customized to your business’s cash flow. You’ll only pay interest on the amount you use, and many options come with weekly or monthly repayment schedules.

What if my credit isn’t perfect?

A strong business performance can outweigh a less-than-perfect credit score. Even if your score is in the low 600s, you may still qualify if your business revenue is consistent.

Why should Albany, NY businesses consider Swan Street Consulting?

We specialize in helping small businesses in Albany and surrounding New York areas get fast, flexible credit options through a trusted referral partnership with ROK Financial. We know the local landscape and what lenders are looking for.

Can startups apply for a business credit line?

Yes. Swan Street Consulting never stores your financial data. All applications are processed securely through our affiliate partner ROK Financial, an industry leader in small business funding.

Is my personal information safe when I apply?

If your startup is at least 6 months old and meets the monthly revenue and credit score requirements, you may qualify. We’re happy to help assess your eligibility.

Is Swan Street Consulting a lender?

No. We are a trusted referral partner of ROK Financial. We help you explore your funding options and guide you to the right application — but the funding and underwriting are handled directly by our partners.

Can I talk to someone before I apply?

Most lenders require 3 months of bank statements, a voided check, and a valid business license or EIN. You’ll receive a full document checklist during the process.

What documents are required to apply?

Absolutely. If you’d like to talk through your eligibility before applying, simply contact us through the “How It Works” page, and we’ll get you connected to a funding advisor.

How do I get started?

Just click any “Check Eligibility Now” button on our site. It’ll take you to our secure affiliate application page with ROK Financial. There’s no obligation or cost to apply — and pre-qualification takes just minutes.