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Line of credit

Capital with the flexibility to match what your business needs

Capital to match what your business needs

Get a $1,000,000+ line of credit within 24 hours. Only pay for what you use, and keep the rest in reserve at no cost. Don't pay fees if you repay earlier.

I'm interested 🚀

Learn more

I'm interested 🚀

Learn more

I'm interested 🚀

Learn more

how it works

Want flexible financing?
Then you want a line of credit

Want flexible financing? Then you want a line of credit

Free Consult

Talk to our team to understand how Sanlo’s Line of Credit works, and if it’s the right option for you.

Simple Application

No long forms to fill out. Use our step-by-step guide to link your business data

and see what you are eligible for.

Immediate Funding

If approved, access your line of credit as soon as 24 hours from submitting your application.

Flexible Usage

Stay in control. Only pay for what you spend, keep the rest in reserve, and grow your line of credit with your business.

Free Consult

Talk to our team to understand how Sanlo’s Line of Credit works, and if it’s the right option for you.

Simple Application

No long forms to fill out. Use our step-by-step guide to link your business data and see what you are eligible for.

No long forms to fill out. Use our step-by-step guide to link your business data* and see what you are eligible for.

*Sanlo uses encrypted ‘read-only’ access of banking and app data to determine eligibility.

Immediate Funding

If approved, access your line of credit as soon as 24 hours from submitting your application.

Flexible Usage

Stay in control. Only pay for what you spend, keep the rest in reserve, and grow your line of credit with your business.

No long forms to fill out. Use our step-by-step guide to link your business data* and see what you are eligible for.

*Sanlo uses encrypted ‘read-only’ access of banking and app data to determine eligibility.

Apply now

trusted by the top creators

StarBerry & Sanlo
·
Read Case Study
Sanlo is the most developer-friendly, non-dilutive, financing instrument on the market. They were an incredibly valuable partner to have and easy to work with when we needed capital to grow ahead of raising venture capital funding. We could not have grown as quickly as we did without Sanlo.
·
Antti Hattara, CEO & Co-Founder
Super Evil Megacorp & Sanlo
The right way to build a game company is to build a niche game for a niche audience. You need to master different aspects of the game economy and figure out a way to reach the right audience. You need to be a consolidator of knowledge and also be in the position to finance it. This is where Sanlo comes in.
·
Kristian Segerstrale, CEO
Coda Platform & Sanlo
·
Read Case Study
Sanlo was made for game and app developers, by game and app developers. They understand the gaming industry at a much deeper level than any other financing provider. Working with Sanlo to expand our current portfolio of titles was a no-brainer, and we look forward to continuing our thriving partnership.
·
Sekip Can Gokalp, CEO & Co-Founder
SquareTwo & Sanlo
Sanlo has been and continues to be a solid and reliable partner for our financing needs. They combine software and people in a way that not only caters to game developers, but does so with an expert and personal touch. We look forward to continuing to use them when the needs arise!
·
Dave Yoo, CEO
Tribevest & Sanlo
App developers have only two choices: scale fast while accepting significant debt or dilution, or bootstrap while accepting slower growth - until now. Sanlo is the third option: scale quickly without dilution. And their versatility with revenue-based and fixed-based payment terms is a huge plus.
·
Lee Sweatt, CFO

StarBerry & Sanlo
·
Read Case Study
Sanlo is the most developer-friendly, non-dilutive, financing instrument on the market. They were an incredibly valuable partner to have and easy to work with when we needed capital to grow ahead of raising venture capital funding. We could not have grown as quickly as we did without Sanlo.
·
Antti Hattara, CEO & Co-Founder
Super Evil Megacorp & Sanlo
The right way to build a game company is to build a niche game for a niche audience. You need to master different aspects of the game economy and figure out a way to reach the right audience. You need to be a consolidator of knowledge and also be in the position to finance it. This is where Sanlo comes in.
·
Kristian Segerstrale, CEO
Coda Platform & Sanlo
·
Read Case Study
Sanlo was made for game and app developers, by game and app developers. They understand the gaming industry at a much deeper level than any other financing provider. Working with Sanlo to expand our current portfolio of titles was a no-brainer, and we look forward to continuing our thriving partnership.
·
Sekip Can Gokalp, CEO & Co-Founder
SquareTwo & Sanlo
Sanlo has been and continues to be a solid and reliable partner for our financing needs. They combine software and people in a way that not only caters to game developers, but does so with an expert and personal touch. We look forward to continuing to use them when the needs arise!
·
Dave Yoo, CEO
Tribevest & Sanlo
App developers have only two choices: scale fast while accepting significant debt or dilution, or bootstrap while accepting slower growth - until now. Sanlo is the third option: scale quickly without dilution. And their versatility with revenue-based and fixed-based payment terms is a huge plus.
·
Lee Sweatt, CFO

StarBerry & Sanlo
Read Case Study
Sanlo is the most developer-friendly, non-dilutive, financing instrument on the market. They were an incredibly valuable partner to have and easy to work with when we needed capital to grow ahead of raising venture capital funding. We could not have grown as quickly as we did without Sanlo.
Antti Hattara, CEO & Co-Founder
Super Evil Megacorp & Sanlo
The right way to build a game company is to build a niche game for a niche audience. You need to master different aspects of the game economy and figure out a way to reach the right audience. You need to be a consolidator of knowledge and also be in the position to finance it. This is where Sanlo comes in.
Kristian Segerstrale, CEO
Coda Platform & Sanlo
Read Case Study
Sanlo was made for game and app developers, by game and app developers. They understand the gaming industry at a much deeper level than any other financing provider. Working with Sanlo to expand our current portfolio of titles was a no-brainer, and we look forward to continuing our thriving partnership.
Sekip Can Gokalp, CEO & Co-Founder
SquareTwo & Sanlo
Sanlo has been and continues to be a solid and reliable partner for our financing needs. They combine software and people in a way that not only caters to game developers, but does so with an expert and personal touch. We look forward to continuing to use them when the needs arise!
Dave Yoo, CEO
Tribevest & Sanlo
App developers have only two choices: scale fast while accepting significant debt or dilution, or bootstrap while accepting slower growth - until now. Sanlo is the third option: scale quickly without dilution. And their versatility with revenue-based and fixed-based payment terms is a huge plus.
Lee Sweatt, CFO

Frequently asked questions

The answers you’re looking for

How do lines of credit work?

Sanlo offers app developers their own line of credit, which is a fixed credit balance that you can withdraw funds from at any time, as many times as you want, as long as you don't exceed the maximum limit. It works similar to a typical credit card, where your available credit balance gets replenished when you pay back the amount borrowed.

What are the costs associated with a line of credit?

You don’t pay anything for getting the line of credit. When you borrow from it, pay a convenience fee of as little as 1% only on the amount you borrowed. No prepayment penalties.

How can I get a Sanlo line of credit?

App developers can get approved for a line of credit in as little as 24 hours. We typically require business information, business banking data, as well as mobile marketing platform data to assess eligibility. If approved, Sanlo will provide the terms associated with the line of credit, including the maximum credit limit available and the fee rate.

What is revolving credit?

Many businesses utilize a line of credit to increase their working capital. This is a great way to bridge the gap between the tasks you need to do and the cash flow you need to get them done.

As an example, This type of funding is ideal for app developers looking to manage the monthly cash inflows and outflows of running a business: paying bills, covering payroll, dealing with cash flow shortages or making short-term investments and improvements. The structure of a line of credit allows you to dip into your available balance frequently and pay back quickly to help manage any bumps in the road and keep moving forward.

Lines of credit are typically revolving credit instruments. This makes them faster and more flexible than installment loans. If you need working capital quickly, this can be a great option to allow you to stay focused on your game development, instead of spending time looking for financing. As long as you make your minimum payments and avoid taking on more debt than your business can handle, revolving credit can be an effective cash flow management tool for your business.

Is a revolving line of credit a good fit for my business?

Typically, lines of credit are best used for short-term working capital needs, like covering payroll for new developers, increasing marketing spend to acquire new users, or offsetting seasonal fluctuations in cash flow. If you know you'll need funds soon but you're not sure exactly how much you'll need or when, revolving credit can give you the flexibility to navigate your business through those periods.

The advantage of a line of credit over a regular business loan is that you usually don’t have to pay a fee on the funds you are not using. Additionally, your business can draw on the line of credit at any time.

Revolving line of credit vs. Business credit cards?

While a revolving line of credit is very similar to a credit card, it's important to remember that they aren't the same. Credit cards tend to have lower limits, higher interest rates and charge additional fees for cash advance and balance transfers. Business credit cards are unsecured loans, so they may require personal guarantees, which makes you liable for any unpaid debts. If you're trying to grow your business, a line of credit may be a better option.

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