5 Ways to Use a Business Line of Credit in an Emergency

When the unexpected hits, a line of credit can be your financial safety net.

Emergencies are unpredictable—but how you prepare for them can make all the difference. At Coastal States Bank, we understand the unique challenges small businesses face. That’s why our Business Line of Credit is designed to offer flexible, fast-access funding when you need it most.

5 Ways to Use a Business Line of Credit in an Emergency

1. Cover Payroll During Short-Term Gaps

Cash flow hiccups can happen to any business. A line of credit gives you peace of mind knowing that your team stays paid—even when revenue takes a temporary dip. Protecting your payroll protects your people.

2. Bridge Delays in Customer Payments

Waiting on receivables? Delayed payments from clients don’t have to stall your operations. A line of credit helps you maintain day-to-day momentum, covering expenses while you wait for income to catch up.

3. Handle Equipment Repairs or Replacements

When vital equipment breaks down, every hour of downtime costs you. Use your line of credit to fund emergency repairs or quick replacements—without draining your cash reserves.

4. Restock Inventory Quickly

Supply chain disruptions and unexpected demand can leave shelves empty. With fast access to funds, you can pivot, restock, and meet customer needs without missing a beat.

5. Seize Time-Sensitive Opportunities

Not all emergencies are setbacks. Sometimes, they’re sudden opportunities. Whether it’s discounted inventory or a chance to expand, your line of credit lets you act fast—while competitors hesitate.

Be Ready for Whatever Comes Your Way

At Coastal States Bank, we make small business lending personal. Our Business Line of Credit gives you the flexibility to face emergencies, adapt to change, and keep growing.

Connect with a CSB Banker to learn more about a small business loan, with approval in 48 hours.