Get access to revolving capital you can draw on whenever your business needs it, with a plan tailored to you, guided by our team of business funding specialists. Founded in Atlanta, GA, and trusted by clients across the USA.
Get StartedIf you're here reading this, it's probably because you feel this way:
When your business needs flexible, reusable access to capital, our specialists identify the right line of credit options and guide you through securing them.
We review your business's cash flow needs and current financial picture to understand how a line of credit fits your goals.
We evaluate your business and personal credit, revenue, and documentation to determine your realistic approval range.
We match you with a strategy suited to your stage, whether that's building qualification first or applying right away.
Our team prepares your application and matches you with lenders offering the best line of credit terms for your business.
We help you get approved, then guide you on how to use and manage the line so it supports long-term growth, staying in contact as your Client Success Manager (on applicable support plans).
We match you with line of credit options based on your actual cash flow needs, not a one-size-fits-all product.
You get direct updates throughout the process, not silence while your application sits with a lender.
We think in terms of ongoing financial strategy. Qualifying clients can access personal funding of $50K+ or business funding of $100K+ as their profile grows.
Whether you're seeking your first line of credit or looking to increase an existing limit, we offer packages built for where your business stands today.
A full in-house team of funding specialists, client success reps, and a founder-led strategy team works your case, not a single overloaded agent.
We help business owners simplify their finances by giving them the tools and knowledge to access flexible capital confidently, without stress or confusion.
Real results, Integrity, and Education guide every client interaction.
Heads Up Financials was founded by a financial educator, focused on clarity and simplicity, not the same old tactics.
Our team includes a funding strategist, client success reps, and dedicated lender-matching specialists who work on your case daily.
We operate with transparent contracts, clear terms, and no false approval guarantees, ever.
There's a plan for every stage of securing a business line of credit, from first-time approval to increasing an existing limit.
|
Plan |
Starting At |
Best For |
|
First Line Plan |
$600 (Reg. $1,000) |
First-time line of credit qualification and application |
|
Momentum Line Plan |
$1,650 |
Improving qualification and applying for a larger line |
|
Empire Plan |
$2,560 |
Personal + business credit, LLC setup, funding up to $100K |
|
Limit Increase Accelerator |
$2,900 |
Strategy and application support to increase an existing line |
|
Ascend Mentorship |
$5,000 |
1-on-1 mentorship, credit + business strategy, funding up to $150K |
|
Dynasty VIP |
$7,500 |
White-glove service for entrepreneurs scaling wealth |
Multi-entity packages are available for owners seeking lines of credit across more than one business.
Book your free consultation to find out what line of credit your business qualifies for and how to secure it.
Yes. A line of credit isn't just for emergencies. Many stable businesses use it to cover seasonal gaps, take advantage of inventory or growth opportunities, and build a stronger credit profile through consistent, responsible use.
Timelines vary by lender and product. Some alternative lenders can approve and fund within days, while bank-issued lines with larger limits may take a few weeks to process.
No funding company can legally guarantee a specific approval amount, and you should be cautious of any that do. What we can guarantee is a thorough qualification assessment, strategic lender matching, and consistent support throughout the process.
A line of credit gives you revolving access to funds you can draw from repeatedly up to a set limit, paying interest only on what you use. A term loan provides a lump sum upfront that's repaid on a fixed schedule. Many businesses benefit from having both, and we can assess your case to determine what fits your cash flow best.