I'm not sure about all banks, but my credit union offers an unsecured line of credit for up to about $10k with a rate around 9%. They go a little higher for sma

I'm not sure about all banks, but my credit union offers an unsecured line of credit for up to about $10k with a rate around 9%. They go a little higher for small businesses. If you're looking for a cushion to reduce the impact of receivables, it's a good option.