Client Credit Line


eESI is always searching to simplify the challenges of business.

During business cycles, cash-flows can shrink, expansions can be costly, and access to financial instruments can be limited. This leaves SMBs with fewer resources to assist with future needs.

The eESI Client Credit Line was developed to provide clients with on-demand access to cash for any business purpose.

Provide On-demand access to cash

Simplify Business Challenges


Rapid Qualification

  • No written application
  • Phone Interview to review financial condition = same day approval
  • No cost to obtain
  • No annual renewal fees, No monthly standby fees, No hidden costs
  • Good for one year with annual renewals

Qualification Factors

  • Been in business for at least 3-years
  • Can make payments without going cash-flow negative
  • Have a payroll cycle of at least $15,000
  • Credit Limit = 3 weeks of payroll

NOT a Bank Loan or Credit Line

  • No collateral
  • No personal guarantee
  • No credit check
  • No UCC filing or lien applied
  • No tax returns
  • No covenants


  • Minimal requested balances on the Credit Line = $15,000
  • Maximum requested balances on the Credit Line = $150,000 or approved Credit Limit
  • 48-hour minimum request window

eESI along with Payroll Funding is providing a unique value-added service.

  • Payroll Funding has provided cash-flow solutions to many eESI clients over the past eight years
  • Payroll Funding is a 20+-year-old short-term investment arm of a generations-old family trust.
  • Payroll Funding investest their own money, in turn, they can arrange fast financial commitments and are not subject to complex procedures or underwriting

Schedule a Discovery Call Today and find if this business resource is a fit for your organization.

Credit Line