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Business lines and loans

Get the money your business needs

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Find the right line or loan for your business

BusinessLine® and Small Business Advantage® lines of credit
  • Get cash without collateral, from $5,000 to $150,000
  • Rates as low as Prime + 1.75,
  • Automatic enrollment in the Wells Fargo Business Rewards program

Prime Line of Credit
  • Up to a 3-year secured revolving line from $100,000 to $500,000
  • 1-year term for secured revolving credit lines from $500,001 to $1,000,000
  • Rates as low as Prime + 0.50%
  • Good for businesses with $2 to $10 million in annual revenues

Find out more
Call 1-866-902-9181 to apply

Small Business Administration (SBA) loans
  • Business loans backed by the U.S. government
  • Loan amounts up to $15,000,000
  • Variable or fixed interest rates
  • Wells Fargo is an SBA-preferred lender

Benefits to help your business thrive

Flexible options

With a variety of lines and loans, finding an option that works for you is simple.

Multiple ways to apply

Apply for up to $100,000 online. For higher amounts, talk to your relationship manager or visit a branch.

Help when you need it

For in-person support, visit a branch in our extensive U.S. network, or bank online from anywhere, anytime.

Resource center

Explore Business Resources and learn how business credit can help your business.

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Business lines and loans FAQs

Things to consider when preparing to apply for an unsecured business line of credit:
  • Typically, guarantors have a FICO® Score of at least 680 at time of application. 
  • A Wells Fargo BusinessLine® line of credit account requires personal guarantees from any owner with 25% or more ownership in the applicant business, with a minimum combined aggregate of 51% ownership. 
  • A Wells Fargo Small Business Advantage® line of credit account requires personal guarantees from any owner with 20% or more ownership in the applicant business, with a minimum combined aggregate of 51% ownership. 
  • Additional information related to applying for credit can be found at our Business Resource Center:
All business applicants are unique and some exceptions may apply. All applications are subject to final credit approval.
  • Apply online or in person for our unsecured business lines of credit
  • To learn more and to apply for the Wells Fargo Prime Line of Credit call 1-866-902-9181
  • If you applied for an unsecured business line of credit (includes Wells Fargo BusinessLine® line of credit and Wells Fargo Small Business Advantage® line of credit), you will receive written notification from Wells Fargo. If approved, it will state the approved amount.
  • If you applied for a Wells Fargo Prime Line of Credit, it will take up to two weeks for processing after you have submitted the required documentation. Your underwriter will provide you with guidance on additional requirements for your business.

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The Wells Fargo BusinessLine line of credit is available for businesses in operation for two or more years. If this requirement is not met, you may be eligible for a Wells Fargo Small Business Advantage® line of credit.

The Wells Fargo Small Business Advantage line of credit is available for businesses in operation for less than 2 years and must meet U.S. SBA requirements. Household personal liquid assets must be less than $500,000. Small Business Advantage line of credit is available to for-profit businesses only. Additional terms and conditions apply. If these requirements are not met, you may be eligible for a Wells Fargo BusinessLine® line of credit, which includes an annual fee of up to $175.

Terms for credit products are subject to final credit approval of the business and its owners. A physical address is required to receive a Wells Fargo business credit product. You must be an owner of this business and not already have this product.

For Small Business Advantage line of credit, your rate will be between Prime + 4.50% and Prime + 6.50%, depending on your personal and business credit evaluation. Prime refers to Bank's announced Prime Rate. Bank's announced Prime Rate is subject to change at any time. The interest rate that you are assigned will continue unless a default occurs under the Customer Agreement and we elect to increase the rate, or we exercise our right to change the terms of the account. Rates are subject to change, and may be higher or lower than the stated ranges. Interest accrues immediately whenever you use your line of credit account, including by use through Mastercard purchases, checks, and transfers.

For BusinessLine line of credit, your rate will be between Prime + 1.75% and Prime + 9.75% depending on your personal and business credit evaluation. Prime refers to Bank's announced Prime Rate. Bank's announced Prime Rate is subject to change at any time. The interest rate that you are assigned will continue unless a default occurs under the Customer Agreement and we elect to increase the rate, or we exercise our right to change the terms of the account. Rates are subject to change, and may be higher or lower than the stated ranges. Interest accrues immediately whenever you use your line of credit account, including by use through Mastercard purchases, checks, and transfers.

Customers are automatically enrolled in the Wells Fargo Business Rewards program at the time of new account opening, with no annual program fee. One dollar spent using the Mastercard® access card earns one rewards point, based on qualifying purchases (purchases less returns and credits), and does not include any fees posted to the account. If you have at least $1,000 in qualifying purchases, made with the Mastercard access card, on the account in a billing cycle, you will earn 1,000 bonus points. Valid as long as a default does not occur and subject to change under the Customer Agreement. Wells Fargo reserves the right to cancel, alter, or temporarily suspend the Program at any time without notice. Some restrictions may apply. See the Wells Fargo Business Rewards Program Terms and Conditions for details at wellsfargo/businessrewards.

For Prime Line of Credit, rates start at Prime + 0.50%, subject to minimum floor rate of 5.00%, depending on your personal and business credit evaluation. Prime refers to Bank's announced Prime Rate. Bank's announced Prime Rate is subject to change at any time. The interest rate that you are assigned will continue unless a default occurs under the Customer Agreement and we elect to increase the rate, or we exercise our right to change the terms of the account. Rates are subject to change and may be higher or lower than the stated ranges. Interest accrues immediately whenever you draw funds from your line of credit account.

For discussion and general informational purposes only. All financing is subject to credit approval and determination of SBA eligibility by Wells Fargo SBA Lending. Additional collateral may be required. Other restrictions and requirements may apply. Middle Market Banking products and services are provided by Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company. Wells Fargo Bank, N.A. is not liable or responsible for obligations of its affiliates.

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