Gate Rock Capital line of credit
Draw only what you need, when you need it — with limits designed to flex with your cash flow and revenue.
- Revolving access up to $30,000
- Only pay on the capital you use
- Designed for recurring working capital needs
Business funding up to $30,000
Gate Rock Capital helps owners access funding without the friction of a traditional lander — clear terms, fast timelines, and a team that understands operators.
Gate Rock Capital at a glance
A capital partner focused on real businesses, not just balance sheets.
From local operators to multi-location brands across the U.S.
Structures tailored to working capital, growth projects, and more.
Once required information and documents are received.
Coverage across most U.S. markets, subject to eligibility and regulations.
Quick fit check
These are the basics we typically look for when reviewing businesses — a quick way to see if it makes sense to move forward.
Choose from flexible structures designed to match how your business actually operates — not just how a spreadsheet looks.
Draw only what you need, when you need it — with limits designed to flex with your cash flow and revenue.
Fixed terms and predictable payments for projects that require a clear capital plan and definitive payoff timeline.
Access capital based on your future receivables, with payments that adjust in line with your sales instead of working against them.
Different funding structures serve different operating needs. Here’s how to think about each.
We combine underwriting discipline with the responsiveness and clarity that owners expect from a modern funding partner.
From initial application to funding, our process is built to move quickly while still respecting risk, compliance, and your time.
We only perform a soft credit pull, which does not affect your personal or business credit score. You can explore funding options without any impact on your credit.
You work with a real person who understands your industry and can talk through trade-offs, timelines, and structures in plain language.
Use of funds
Capital is a tool — and the right structure should support the way you operate today and where you’re going next. Businesses use Gate Rock Capital funding to:
Stay in front of demand, seasonality, and vendor timelines without straining cash on hand.
Bridge short-term gaps without delaying decisions that affect your team and customers.
Invest in growth opportunities with capital structured around your revenue profile.
Modernize operations, improve margins, and create better customer experiences.
Build a more resilient balance sheet to handle the unexpected and plan ahead.
A quick overview of the information we typically review so your application can move smoothly.
Three straightforward steps from application to capital — built for busy owners and operators.
Tell us about your business, revenue, and funding goals in a secure, mobile-friendly application that you can complete in minutes.
Our underwriting team reviews your information and presents structures aligned with your cash flow, industry, and timing.
Once you select an option and sign documentation, capital is disbursed quickly so you can execute on what matters most.
Straightforward guidance to help you understand funding options, timelines, and what to expect before you apply.
A few of the most common questions business owners ask before they get started.
In many cases, initial decisions are made in as little as 2 hours once we have a complete application and the necessary business documentation.
No. We only perform a soft credit check, which does not show up as a hard inquiry and does not affect your business or personal credit score.
We consider your time in business, cash flow trends, industry, and overall financial picture — not just a single score or metric.
Talk with a Gate Rock Capital specialist about your goals, timelines, and the structure that may be right for your business — or start your application in minutes.