@BFF, LOC for 2-5 year term and the term LOC ...
A "term" product and "LOC" product are generally not the same time of product.
Do you mean amortization, because that's normally a term thing, and not a true revolving LOC. (Bluevine has one, it's 6-12 months on each draw, P&I and amortized.)
Do you mean interest-only? In which case, it normally gets renewed every year.

Unless you have a proper team of full-time processors and relationship with hundreds of banks, doing a one-off LOC (a) won't get you paid very much and (b) you'll never get the client enough money.

Have the client send a credit report, that will help things. However, banks do hard pulls every time.

Email me, it's worth the discussion