73% of Newport Beach businesses report seasonal revenue swings. A business line of credit delivers the revolving capital you need when marina traffic peaks in summer or when Fashion Island retail slows mid-winter, letting you draw funds as opportunities arise and repay as cash flows in.
Lines of credit
A business line of credit is a revolving facility that lets you borrow up to a pre-approved limit, repay, and borrow again without reapplying. You pay interest only on what you draw. Newport Beach companies along Pacific Coast Highway and around Mariner's Mile use lines of credit to smooth cash flow between tourist seasons, stock inventory before holiday rushes, and cover payroll during slower quarters. Linden Lending Group brokers these facilities by matching your revenue pattern and collateral profile to lenders who understand coastal hospitality, marine services, and retail cycles.
We are a commercial-loan broker, not a lender. That means we shop your application across multiple banks and alternative lenders to find the facility with terms that fit your draw schedule and repayment cadence. We handle documentation, coordinate underwriting, and negotiate covenants so you spend less time on paperwork and more time running your business. Our office sits minutes from Newport Beach at 18201 Von Karman Ave, Irvine, CA 92612, Costa Mesa, CA. Call us at (714) 831-1264.
A yacht-service provider near Lido Marina needed flexible capital to purchase parts and pay subcontractors when booking volume surged in spring and early summer. A traditional term loan locked them into fixed payments during off-peak months. We brokered a revolving line that let them draw when jobs came in and pay down the balance when invoices cleared, aligning debt service with actual cash flow.
How it works
Gather twelve months of business bank statements, recent tax returns, and a list of outstanding debts. We review your financials, identify suitable lenders, and submit your package. Most facilities close within a few weeks. Visit our main business line of credit page or our Costa Mesa hub to learn about other programs.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
