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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® line of credit
  • Unsecured revolving line of credit
  • Credit lines from $10,000 to $150,000
  • Rates as low as Prime +1.75%

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 $25 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 a BusinessLine® line of credit:
  • Typically, guarantors have a FICO® Score of at least 680 at time of application. 
  • An account requires personal guarantees from any owner with 25% or more ownership in the applicant business, with a minimum combined aggregate of 51% ownership. 
  • Requires time in business to be six months or more.
  • 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 BusinessLine® line 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 a BusinessLine® 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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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 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.

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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Wells Fargo Bank, N.A. Member FDIC.

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