Understanding Lines of Credit: Structure, Use, & Risk

Understanding Lines of Credit: Structure, Use, & Risk

A line of credit is one of the most flexible financial tools available. However, personal, business, and commercial lines of credit are structured differently, come with different eligibility requirements, and serve different purposes. Understanding those differences is essential before you apply.

In this interactive workshop, we will walk through how lines of credit work, what lenders evaluate during underwriting, and how risk and permitted use vary by product type. You will gain a clear understanding of the options available and how to evaluate which one fits your situation.

Whether you are managing personal finances, launching a business, or planning for growth, this session will help you make informed, strategic borrowing decisions with confidence.

This workshop is brought to you by the California Capital Lending Team

“Funded in part through a Cooperative Agreement with the U.S. Small Business Administration.”

Reasonable accommodations for persons with disabilities and/or limited English proficiency will be made if requested at least two weeks in advance. To request accommodation or language assistance, please contact the Women’s Business Center to discuss your needs.