✔ 2-minute application
✔ Unsecured line of credit
✔ No setup or annual fees
✔ Ideal for uneven cash flow and emergencies
✔ Direct nonprofit funder since 2012
✔ Transparency, clarity, and honesty in our process
Why do thousands of small nonprofits organizations like and work with Financing Solutions? Because Financing Solutions has been the leading provider of nonprofit financing in the United States since 2012, we are a direct funder, and we communicate openly/honestly/quickly. Our clients tell us that it has been hard for their nonprofits to secure a bank line of credit and that our customer service is exceptional.
Leading Direct Lender to Nonprofits Nationally
For nonprofit organizations, proactive financial planning can help reduce pressure during short term cash flow gaps. Evaluating financing options in advance allows leaders to understand what tools may be available if timing differences between expenses and funding arise. A line of credit for your nonprofits helps with uneven cash flow.
There is no cost to establish or maintain a line of credit until funds are used. Organizations only incur costs when they choose to draw on the line, allowing flexibility in how and when it is used. Most nonprofits use their line of credit to help make payroll, continue important programs or for reimbursement delays.
Financing Solutions works with nonprofits nationwide and maintains strong client feedback ratings. Our process is designed to be more streamlined than traditional bank lending, while still focusing on responsible evaluation and our team really understands nonprofits.
An unsecured nonprofit line of credit can help organizations manage temporary cash-flow timing issues without requiring specific collateral. When used carefully, it may provide flexibility for certain operational needs. We often hear from our clients that their line of credit gives them peace of mind.
Some nonprofits explore lines of credit as an alternative to traditional nonprofit loans or long term financing. Each option has tradeoffs, and the right choice depends on the organizations financial structure and goals. Our team is very knowledgeable about all types of financing and we will be straight shooters about your options.
The 2 minute application is completed online. Each application is reviewed by a real person. If we can help you, we will schedule a 20 minute call. A no obligation offer will then be emailed and we will then ask for the most recent 990 and bank statements. We will review them within 48 hours and a final contract will be sent. The last step will be board approval. The line of credit is ready when and if you need it.
Nonprofit organizations can experience timing differences between when expenses must be paid and when funding is received. In certain situations, access to short-term financing can help bridge temporary gaps without disrupting operations.
When used responsibly and with a clear repayment plan, a line of credit can support cash flow needs during funding delays. It is generally most effective as a short-term tool rather than a long-term funding solution.
Some nonprofits rely on informal borrowing arrangements, such as loans from board members or donors, to address short-term cash needs. While these approaches may work occasionally, they can introduce governance, compliance, and relationship challenges if used repeatedly.
More structured financing options can provide clearer terms, defined repayment expectations, and appropriate oversight, helping organizations avoid complications associated with informal borrowing.
Meeting payroll obligations is a critical responsibility for nonprofit organizations. Miss or delay payroll, and you could be fined by your state. Plus, your employees depend on their paycheck. Timing gaps between incoming funds and payroll schedules can create pressure if not planned for in advance.
Establishing a clear cash-flow strategy can help organizations meet payroll and other essential obligations during funding delays, while maintaining compliance and financial stability.
Financing Solutions works with nonprofit organizations to evaluate financing decisions responsibly. Our review process considers an organization’s financial profile, cash-flow consistency, and existing financial controls.
This approach emphasizes informed decision-making rather than automated approvals, helping nonprofit leaders assess whether financing aligns with their organization’s needs and risk tolerance.
An unsecured nonprofit line of credit may be appropriate in certain situations, depending on an organization’s financial profile and cash-flow consistency.
Unlike secured financing, unsecured credit does not rely on specific collateral, which may be appealing for some nonprofits
Unsecured credit requires careful evaluation of repayment ability and existing financial controls
Understanding the tradeoffs involved can help nonprofit leaders determine whether this type of financing aligns with their organization’s needs and risk tolerance
Financing Solutions focuses on working with nonprofits in a thoughtful, transparent manner. Our approach emphasizes understanding each organization’s financial structure, governance considerations, and long-term goals before recommending financing options.
By prioritizing clarity and responsible decision-making, we aim to support nonprofit leaders as they evaluate whether a line of credit fits within their overall financial strategy.
Financing Solutions works with a range of organizations, including nonprofits, small businesses, and mission driven entities, to help them navigate financing decisions responsibly. Our experience includes working with organizations that operate under different revenue models, tunding cycles, and governance structures. Because nonprofit organizations face distinct financial and operational considerations, our approach focuses on understanding how each organization functions, how funds are received, and how financial decisions are made. This allows us to provide guidance that reflects real world nonprofit constraints rather than one size fits all solutions.
Organizations that work with Financing Solutions often value transparency, responsiveness, and clarity throughout the financing evaluation process. Client feedback and independent ratings reflect our focus on clear communication and responsible guidance. Rather than relying solely on automated systems, we emphasize human review and direct conversations so organizations can ask questions, understand expectations, and make informed decisions before moving forward.
Our review process is designed to balance accessibility with appropriate financial evaluation. It begins with an initial discussion to understand the organization s structure, cash-flow patterns, and financing goals. From there, we review relevant financial information to assess whether a line of credit may be appropriate. Throughout the process, nonprofit leaders are encouraged to involve appropriate stakeholders and take the time needed to evaluate how financing aligns with their mission and long term financial health.
Applications for an unsecured nonprofit line of credit are evaluated based on an organization's overall financial profile and cash-flow consistency. An unsecured nonprofit line of credit may be appropriate in certain situations, depending on an organization s financial profile and cash-flow consistency Unlike secured financing, unsecured credit does not rely on specific collateral, which may be appealing for some nonprofits Unsecured credit requires careful evaluation of repayment ability and existing financial controls Understanding the tradeoffs involved can help nonprofit leaders determine whether this type of financing aligns with their organization s needs and risk tolerance
Trusted by 1,000’s of Nonprofit Organizations
We have used our Nonprofit Line of Credit with Financing Solutions for years. We found it impossible to get a business loan for our nonprofit through a bank but Financing Solutions made it easy.
Our Financing Solutions Nonprofit Line of Credit has saved us many times helping us bridge the gap between our reimbursements, expenses, and operating grants. We were ecstatic to find FS because bank loans for nonprofits require collateral and personal guarantees while Financing Solutions does not.
The service that I get at Financing Solutions is amazing. I can t say enough about how impressed I am with them. Our line of credit for our nonprofit has been a God send.
We used to sweat out cash flow issues but we use our nonprofit line of credit now. It has completely reduced the stress in our office and what great about Financing Solutions is if we have a question, they get back to us super quickly.
| Feature | Nonprofit Line of Credit | Traditional Nonprofit Loan |
|---|---|---|
| How Funds Are Received | Draw funds as needed up to a limit | Lump sum upfront |
| Interest/Fees | Charged only on amount drawn | Charged on full loan amount |
| Best For | Short-term cash flow gaps | Major purchases or long-term investments |
| Flexibility | Funds can be repaid and reused | Fixed repayment schedule |
| Collateral | Often unsecured | Often requires collateral |
| Approval Speed | Typically, faster | Often slower (bank process) |
| Ideal Use Cases | Payroll timing gaps, grant delays, reimbursements | Property purchases, renovations, large equipment |
Financing Solutions began operations in 2012 and has since grown into one of the top direct financing companies, providing nonprofit lines of credit that are easy, fast, and inexpensive. We require no collateral or personal guarantees. We are very proud of our A+ rating from the Better Business Bureau and 5-star Google Reviews.
We are not from the traditional banking or wall street crowd and because we have worked with nonprofits for so long, we really understand nonprofits. We also know how hard it is to be approved for a traditional bank loan or a bank line of credit and try to make getting a credit line as easy and simple as possible.
We have an "A+" rating from the Better Business Bureau and our reviews are 5 stars on Google reviews. There are real people you will talk to at Financing Solutions and our experienced team are honest, straight shooters and empathetic.
With no paperwork to fill out for an offer letter, we can give you a good idea if you will be approved for a nonprofit line of credit. After reviewing the offer letter and speaking to a member of our team, the remaining process is fast & easy only requiring a few simple financial documents.
We approve many nonprofits who thought they would never be able to get a credit line because we look at your organization from many angles.
| What is a nonprofit line of credit? A nonprofit line of credit is a revolving credit facility that allows organizations to borrow up to a pre-approved amount and draw funds as needed. Interest is typically charged only on the funds drawn, making it useful for short-term cash flow gaps. |
| How is a nonprofit line of credit different from a nonprofit loan? A nonprofit loan provides a lump sum that is repaid over a fixed period. A line of credit allows nonprofits to borrow only what they need, repay it, and borrow again—similar to a credit card but typically with lower costs. |
| Is collateral required for a nonprofit line of credit? Some lenders require collateral, while others offer unsecured nonprofit lines of credit. Unsecured options do not require specific assets but require responsible financial review and repayment ability. |
What can a nonprofit line of credit be used for? Common uses include:
It is generally not intended for long-term capital projects. |
| Does a nonprofit board need to approve a line of credit? In most cases, yes. Many nonprofit organizations require board approval before entering into financing agreements to ensure governance compliance and oversight. |
| How long does it take to get approved? Approval timelines vary depending on the organization’s financial profile and documentation. Some providers offer initial pre-qualification decisions quickly, with full review completed after financial documents are evaluated. |
| What happens if revenue decreases?Because a line of credit requires repayment, organizations should evaluate repayment ability carefully before drawing funds. Responsible financial controls and realistic cash-flow projections are essential. |
People often have many questions about Nonprofit lines of credit.
Financing Solutions donates 10% of its profits to nonprofit organizations
