Apply for Instant Credit

Get your commercial project done now

Pay for it over time

Quick ApprovalProcess You will have a decision on your credit line within seconds of submitting the application.

Up to $50K Approval for up to a $50K credit line for your business to use right at checkout.

Simple Monthly Payments Spread the cost of your project out across a 12 month term with scheduled payments.

30 Days Interest Free Enjoy a 0% interest rate for the first 30 days, and as low as 1% interest rate after 30 days.

It is Quick and Easy to Apply The application takes just minutes to complete, AND it will not affect your credit score.

Apply Now

This is not a lease or financed loan, but a line of credit that allows you the flexibility to purchase equipment and supplies as needed. You can qualify for up to a $50,000 line of credit, to use and pay as needed over a 12 month term. You will have the ability to get pre-approved for a certain amount before you order.

To be eligible for Bulbs.com credit terms, you will need to:

Be an individual applying under your own name
Be the owner/signatory of business in application
Be a U.S. citizen or resident of minimum signing age in your state of residence
Have a FICO^®/credit score of 600 or above
Have a total annual business income of $40,000 or more
Provide the Employer Identification Number (EIN) of your business
- If your business is a Sole Proprietorship you do not need to have a Federal EIN, but will have to document some type of state registration of the business
Have a nominated bank account for repayments

The application process is simple and does not affect your personal credit. Bulbs.com does not charge any setup fees. If you choose to go beyond 30 days, you can be approved as low as 1% per month. Applying for credit is a “soft inquiry.” This DOES NOT impact your FICO^®/credit score.