Grow your business with a line of credit.

Get instant funding with rates as low as 7.8% for top qualifying customers. Apply with no impact to your credit score.

A line of credit that’s there when you need it.

Get the funds you need quickly and easily at a competitive rate.


Instant access to funds

Get instant access to approved draws with a complimentary Tino Capital Business Checking account.


Credit lines up to
$250K

Apply for credit lines up to $250,000 and only pay for what you use, with rates as low as 7.8% for top qualifying customers and no maintenance fees.


Access to ongoing capital

Draw funds when you need to cover big expenses, improve cash flow, and take advantage of growth opportunities.

Tino Capital

$14B+ working capital delivered

Join the growing community of 500K+ businesses across the U.S. we’ve helped access the funding and banking solutions they need.

Business Term Loan

Our most popular loan products allow you to leverage up to 250% of your gross monthly revenue.


Merchant Cash Advances

Enables your business access to funds immediately, all online and hassle free.


Debt Consolidation

Combining multiple debts into one loan, often reducing interest rates and payments.

Revenue Based Financing

Combining the high approval amount of a term loan and the flexibility of a merchant cash advance.


Equipment Lease

A financial agreement where equipment is rented for regular payment.

Tino capital

Line of Credit

A revolving credit line you can draw from 24/7 to receive funds within seconds.

  • Credit limits from $6K - $100K

  • Flexible repayment terms of 12, 18 or 24 months

  • Great for smaller ongoing expenses

Tino capital

Term Loan

A one-time lump sum of cash with an eventual option to apply for more.

  • Loan amounts from $5K - $250K

  • Repayment terms up to 24 months

  • Great for larger one-time expenses

FAQs

What is a business line of credit?

A business line of credit gives you access to funding when you want it, up to your credit limit. Unlike traditional one-time loans, a Tino Capital Line of Credit is “revolving credit,” meaning your available credit replenishes as you make repayments, so you can draw additional funds without having to fully re-apply. Though, all draws are subject to review and approval.


How does a Tino Capital Line of Credit work?

Once approved for a credit line, we’ll deposit funds in your account as soon as a few hours, pending review and approval. Depending on which repayment plan you qualified for, we’ll automatically debit your account for weekly or monthly repayments. As you pay off your balance, the amount of available credit you can request automatically replenishes. You can save on interest when you pay early. We don’t charge early repayment fees.


How can I get a line of credit through Tino Capital?

You can apply for a Tino Capital Line of Credit on our website. We’ll ask you for some basic information about you and your business. Once your application is submitted, you could get a decision in as little as five minutes.Just make sure you meet these minimum qualifications:• $10,000 in monthly revenue
• 625+ personal FICO credit score
• In business for 12+ months
• Corporation or LLC
• No bankruptcies in the past year
• In good standing with your Secretary of State
• Business is operating or incorporated in an eligible U.S. state
• Ineligible states include: Nevada, North Dakota, South Dakota
• An active bank connection or statements from the last 3 months (a connected account makes it faster and easier to confirm your information).


What businesses are eligible for a line of credit?

You can apply for a Tino Capital Line of Credit as long as your business meets the minimum qualifications and does not operate in one of the following ineligible industries or states:Ineligible industries:• Illegal gambling
• Pornography and paraphernalia
• Political campaigns
• Firearms and paraphernalia
• Other controlled substances (including medicinal marijuana, marijuana, cannabis, and hemp) and paraphernalia
• Financial institutions and lenders (including insurance, penny auction companies, and cryptocurrency)
• Auto dealerships
Ineligible states:• Nevada
• North Dakota
• South Dakota
• U.S. territories


Does applying for a Tino Capital Line of Credit affect my credit score?

While applying and reviewing an offer will not impact your personal credit score, accepting an offer may result in a hard inquiry. Further, if you default on a Tino Capital Line of Credit you may be subject to negative business reporting and personal credit reporting in your role as guarantor.


How can a Tino Capital Line of Credit help grow my business?

With funds in as fast as 24 hours and simple interest rates, a Tino Capital Line of Credit lets you take advantage of growth opportunities early.You could use a line of credit to cover payroll, hire full-time or seasonal employees as you need them, stock up on extra inventory during a sales rush, or buy materials or equipment for your next big project. You could also renovate your office, warehouse, or storefront, or lease a larger one. Learn how to make the most out of your line of credit.

Terms and ConditionsTerms By accessing this website, you agree to be bound by these website Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.Use License Permission is granted to temporarily download one copy of the materials (information or software) on Tino Capital (TC) website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license, you may not:Modify or copy the materials; Use the materials for any commercial purpose, or for any public display (commercial or non-commercial); Attempt to decompile or reverse engineer any software contained on Tino Capital website; Remove any copyright or other proprietary notations from the materials; or Transfer the materials to another person or “mirror” the materials on any other server. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Tino Capital at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.Disclaimer The materials on Tino Capital website are provided “as is.” Tino Capital makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Tino Capital does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet website or otherwise relating to such materials or on any sites linked to this site.Limitations In no event shall Tino Capital or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Tino Capital Internet site, even if Tino Capital or a Tino Capital authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.Revisions and Errata The materials appearing on Tino Capital website could include technical, typographical, or photographic errors. Tino Capital does not warrant that any of the materials on its website are accurate, complete, or current. Tino Capital may make changes to the materials contained on its website at any time without notice. Tino Capital does not, however, make any commitment to update the materials.Links Tino Capital has not reviewed all of the sites linked to its Internet website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Tino Capital of the site. Use of any such linked website is at the user’s own risk.Site Terms of Use Modifications Tino Capital may revise these terms of use for its website at any time without notice. By using this website, you agree to be bound by the then current version of these Terms and Conditions of Use.Governing Law Any claim relating to Tino Capital website shall be governed by the laws of the State of New York without regard to its conflict of law provisions. General Terms and Conditions applicable to the Use of a Website.

Privacy PolicyAt Tino Capital, we take your privacy seriously. This Privacy Policy outlines how we collect and use your personal information through our website, https://tinocapital.com/. The terms “we,””us,” or “our” refer to Tino Capital. Please remember that this Policy is subject to change at any time. You accept these changes by continuing to use our Site and provide us with personal information in the future. To stay current, you should frequently review this Policy. You accept the conditions stated in this Policy and our Terms of Service, including our liability restrictions, by using our Site. Your personal data provided to us via our website will only be used for the purposes outlined in this policy.Types of Personal Information We CollectHere are the types of personal Information that Tino Capital (TC) collects: Personal Information is voluntarily provided by visitors to the Site through features such as provided email addresses or as part of an application. Name, email address, contact information, username, and password are just a few of the details gathered when creating an account on the website. Additionally, optional data may be gathered, such as the website address of a company. Social Security number, official identification with a picture, username, and password are examples of information needed for identity verification. Information about visits to and use of the Site or third-party websites. Individual and business financial or credit bureau Information. Personal Information contained in government filings or legal agreements. Any other Personal Information submitted or uploaded through the Site or email addresses, including Information posted in comments, blogs, or testimonials. The website from which the visitor came to the Site and their IP address, browser type, and device Information. Geolocation information, such as through GPS or other geolocator tools using the device’s IP address. Information is collected through Site data or other sources, such as public records and third-party information services. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.What We Do With That InformationAt Tino Capital, we collect certain personal information from you when you use our services. Here are the types of what we do with the information we gathered:We use the information you provide to evaluate your business’s eligibility for our products and services, respond to your inquiries, and provide information about our company or services that may interest you. We may use your information to market products or services to you through various mediums, such as calls, text messages, email, and mail. If you receive promotional emails from us and would like to opt out, you may follow the opt-out instructions contained in the email. However, please note that we may take up to 10 business days to process opt-out requests. If you opt out of receiving emails or promotions, we may still contact you for account-related or customer service purposes.WE DO NOT SELL YOUR DATA Your Information, including that shared via text, is never sold.Social Media Widgets At Tino Capital, we provide a user-friendly website for small businesses seeking financial solutions. Our Site includes Social Media Features and Widgets, such as the Facebook Like button and “Share This” button that may collect your IP address and information on the page you are visiting on our Site. These features are designed to function correctly and may set a cookie to ensure they work effectively. It is important to note that these Social Media Features and Widgets may be hosted by a third party or hosted directly on our Site. Thus, your interactions with these Features are subject to the company’s privacy policy. We encourage you to read these companies’ privacy policies before engaging with these features on our Site.Third Parties At Tino Capital, we may engage third-party companies like Google Analytics and Webtrends to help us track and analyze user activity on our website. This information assists us in improving the quality of our website and providing a better user experience by personalizing relevant offers and content based on user activity. These third-party businesses may track user movements and compile demographic information using cookies, beacons, tags, and scripts. Our Privacy Policy does not apply to the usage of these cookies since we do not have access to or manage them. You can turn off javascript in your browser if you do not want to be tracked, but be aware that certain of our funding apps might not work properly otherwise.Security At Tino Capital, we take the security of your Personal Information seriously. We have implemented physical, electronic, and operational policies and practices to safeguard your data. Our network firewalls ensure that no direct communication is allowed between the database server and the Internet, while servers with operating systems are housed in a secure facility. Access to your Personal Information is controlled and granted to employees on a need-to-know basis. We also use encryption to protect your Personal Information when transmitted online, and the computers and servers where we store your information are kept in a secure environment. When we contact you about your account or to confirm a funds transfer, we will only reference the last four digits of your social security number to ensure the privacy and security of your information. We also provide the proper disposal of your Personal Information, regardless of its source.User Access We understand the importance of keeping your personal information accurate and up-to-date. If there are any changes to your personal information or if you no longer wish to receive updates or be contacted for new products, you may request to correct, update, amend, delete/remove, or deactivate your contact information by contacting our Customer Support at [email protected] or by calling us at (561) 564-9713. We will update your file within 30 calendar days of receiving your request.Data Retention Your information’s privacy is important to us. For internal purposes, such as enhancing our services and informing you about our and our partners’ products, we will keep your data on file as long as your account is active and legally required. To adhere to legal requirements, resolve conflicts, and uphold agreements, there may be times when we need to keep your information on file. You can be sure that your information will be treated carefully and in compliance with all relevant regulations and laws.Information Posted To Our Site On occasion, we could let people upload content to our website, such as reviews or comments. Please be aware that whatever you publish on our website becomes public and can be seen by other users and site visitors (with the exception of papers uploaded as part of the funding process). Your name and any other optional details you include with the post will be made available to the public. We cannot guarantee the accuracy of any information in those postings, nor are we responsible for the privacy of any information you provide.Third Party Links Our website contains links to other websites. Please be aware that our privacy policy does not apply to these websites, and we are not responsible for their content or privacy policies. We recommend that you carefully read the privacy policies for any third-party websites. You do so at your own risk, and we advise using caution and good judgment when disclosing personal information to any related websites.International Users Please be aware that our website is hosted in the United States for the benefit of our international visitors. By submitting your information on our website, you accept and authorize its transfer to the United States for storage, use, processing, and maintenance, as well as its subsequent transmission to other organizations anywhere in the world. Furthermore, you agree that all disputes involving our website will be resolved under US law. Please read our privacy statement and terms of service carefully before using our website.Session Time-Outs To safeguard your account from unauthorized access, we use session time-outs. This feature automatically logs you out of the site after a specified period of inactivity, reducing the risk of anyone accessing your account if you leave your computer unattended. It is just one of the many security measures we implement to protect your information and ensure the safety of your account.What You Can Do To Protect Your Personal Information We understand the importance of protecting your personal information at Tino Capital. While we take measures to ensure your data is secure, there are also steps you can take to safeguard your information. Firstly, we recommend creating a strong password that includes numbers, uppercase and lowercase letters, and special characters. Avoid using easily guessable information, such as names or birthdays of family members. Additionally, please change your password frequently and never share it with anyone or leave it written down in an unsecured area. To further enhance security, install and regularly update antivirus and firewall software to prevent external attacks by malicious users. If using a public computer, such as a library or coffee shop, take extra precautions to protect your account and personal information. This includes logging out, closing the browser window, and clearing the browser’s cache files. Finally, be aware of phishing attempts involving scammers luring individuals to a fake website using a genuine-looking email. Never provide login or personal information via email, and always ensure the Tino Capital URL begins with “https://tinocapital.com/.” We will never ask you for your login information in any email communication.Changes To the Policy At Tino Capital, we may update our Privacy Policy occasionally to ensure that our information practices remain up-to-date and aligned with any changes to regulations or our business practices. If we make any material changes, we will post a revised policy on our website before the changes become effective. We encourage you to review our Privacy Policy periodically to stay informed about our privacy practices.SMS Privacy By providing your phone number, you agree to receive text messages updates from Tino Capital at the cell number used when signing up. Consent is not a condition of any purchase. Message frequency varies. Reply STOP to unsubscribe, HELP for help. Message & data rates may apply. Message frequency varies.

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