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Is there any online credit lines that provide instant access to funds?
I would suggest a Credit Union such as Penfed or NASA---I have PLOC with both them that can be accessed immediately via online.
I agree with the other poster. Personal lines of credits give you instant access to cash. Depending on what you are looking to do, you can balance transfer from your CC to your checking account.
+1 for PenFed, When I had to call to confirm my identity over the phone, i was proposed to add a LOC and I was directly approved for $5000 (up to 25 I think) and by the time I hang up and check my account online, the LOC was ready to use!