I get paid every 45 days from the State for providing subsidized childcare.  However, this is a real problem for us getting bills paid on time and improving our scores.  I wonder if trying to get a loan or line of credit for the amount we spend monthly on bills and expenses?  Once I received my payments, then I could just pay the balance back down to where it was originally and continue do that until I open my daycare center next year?  How would this affect credit, close 2 maxing loan availability and then repaying it?

 

I need a 5k line or better and what kind of scores would I need to get that kind of line?