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Business Lines of Credit

Wells Fargo Business Lines of Credit

  • New customer offer: $0 annual fee for the first year
  • $5,000 to $100,000 revolving credit line
  • Rates as low as Prime + 1.75%
  • No collateral required
  • Automatic enrollment in a free rewards program

Includes Wells Fargo BusinessLine® Line of credit and Wells Fargo Small Business Advantage® Line of credit

Wells Fargo Prime Line of Credit

  • $100,000 to $500,000 revolving credit line
  • Interest-only payments
  • Secured by business assets
  • Typically businesses with $2-5 million in annual sales
Wells Fargo Prime Line of Credit details

Why a Business Platinum Credit Card?

The Business Platinum Credit Card is a revolving credit option for everyday business expenses for businesses with annual sales up to $2 million and needing fewer than 100 cards. It comes with a free rewards program and your choice of rewards points or cash back. Please view details for more information on rates, fees, and features.

Why a Business Secured Credit Card?

The Business Secured Credit Card is a revolving credit option ideal for everyday business expenses and businesses looking to establish or rebuild business credit. The Business Secured Credit Card comes with a free rewards program and your choice of rewards points or cash back. Please view details for more information on rates, fees, and features.

Why a Business Elite Card?

The Business Elite Card is a credit card for established businesses with annual sales over $1 million. It offers more purchasing power, enhanced benefits and added security to control employee spending. You can also choose to earn rich rewards points or cash back. Please view details for more information on rates, fees, and features.

Why a Wells Fargo Unsecured Business Loan?

These loans allow businesses to finance one-time expenses with the flexibility to pay over a short or longer term. One easy application to get options.

Why an Equipment Express Loan?

This loan provides buying power for established businesses to purchase new or used vehicles or equipment at competitive rates with flexible terms.

Why an Advancing Term Loan?

Allows you to expand, grow, or improve your business with permanent working capital.

Why an unsecured business line of credit?

Wells Fargo unsecured business lines of credit are ideal for new or established businesses looking for an unsecured financing solution to supplement cash flow, take advantage of unexpected business opportunities, expand your business, or cover expenditures.

Why a secured business line of credit?

A secured business line of credit is a revolving credit option designed to help you build business credit with Wells Fargo.  It can supplement ongoing cash flow needs and be paid down and used again repeatedly over time.

Why a Prime Line of Credit?

Expand, grow or improve your business by increasing your cash flow cycle.

Why a purchase loan?

Buy commercial real estate for your business, or as a real estate investor.

Why a refinance loan?

Pay off an existing mortgage on a business or commercial investment property, including potential cash-out opportunities.

Why an equity loan?

Use the equity in your commercial real estate to finance business expansion, equipment upgrades, and property improvements.

Why an equity line of credit?

Leverage the equity in your commercial real estate for property improvements, business expansion, or the purchase of large equipment or property. Enjoy unlimited draws for the first five years.

Why a Commercial Letter of Credit?

The Commercial Letter of Credit guarantees payment on behalf of the buyer to the seller generally upon delivery of goods, typically used for international trade.

Why a Standby Letter of Credit?

The Standby Letter of Credit is used as a guarantee of performance of defined terms where the Letter of Credit is only drawn upon in the event of non-performance of the contract.

Watch this video to help determine whether a business line of credit is right for you.

Is a business line of credit right for your business?

• Learn more about the range of uses

• Compare secured and unsecured lines of credit

View line of credit video

Offer valid 01/01/19 – 03/31/19. Customer must enroll in the Wells Fargo Business Card Rewards® Cash Back Program at the time of application to be eligible to receive the one-time bonus. To qualify for the one-time $500 cash back bonus, a total of at least $3,000 in net purchases (purchases less returns and credits, and excluding balance transfers, cash advances, SUPERCHECKSTM/welcome check transactions, or any fees or interest posted to the account) must post to your Wells Fargo Business Credit Card account within the first 3 months after the account opening date. The $500 cash back bonus will be posted to the account 1-2 statements after the spend requirement is met, and will be paid out during quarterly distribution. You must remain in the cash back program for the full duration of the introductory period (3 months) in order to receive the $500 cash back bonus. If you switch or cancel rewards programs during the introductory period, you forfeit the applicable rewards bonus. This offer is not available if the business already has a Wells Fargo business credit card or had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.

Offer valid 01/01/19 – 03/31/19. Customer must enroll in the Wells Fargo Business Card Rewards Points Program at the time of application to be eligible to receive the one-time bonus. To qualify for the 50,000 bonus points, a total of at least $3,000 in net purchases (purchases less returns and credits, and excluding balance transfers, cash advances, SUPERCHECKS/welcome check transactions, or any fees or interest posted to the account) must post to your Wells Fargo Business Credit Card account within the first 3 months after the account opening date. The 50,000 bonus points will be posted to the account 1–2 statements after the spend requirement is met. You must remain in the points program for the full duration of the introductory period (3 months) in order to receive the 50,000 bonus points. If you switch or cancel rewards programs during the introductory period, you forfeit the applicable rewards bonus. This offer is not available if the business already has a Wells Fargo business credit card or had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.

There is no annual rewards program fee. If you select the Business Card Rewards Cash Back Program option, you will earn 1.5% on net purchases (purchases less returns and credits, and excluding balance transfers, cash advances, SUPERCHECKS/welcome checks, or any fees or interest posted to the account) for the life of the account. Earned cash back is credited quarterly (March, June, September, and December) to your Wells Fargo Business Credit Card account or to an eligible business checking or savings account. The cash back earned and transferred to the primary Business Card account from employee card accounts in March, June, September, and December cycles will not be credited until the following cycle month for companies with individual billing. There is no limit to the cash back earned.

There is no annual rewards program fee. If you select the Business Card Rewards Points Program, you will earn one point for every dollar spent on net purchases (purchases less returns and credits, and excluding balance transfers, cash advances, SUPERCHECKS/welcome checks, or any fees or interest posted to the account) for the life of the account. To earn the monthly 1,000 bonus points, your total Company spend must be a minimum of $1,000 in net purchases in a billing cycle. For companies with individual billing, bonus points calculation is based on owner points earned in the current statement cycle, plus employee points earned in the previous statement cycle. Bonus maximum is 1,000 points per company per month.

A $24 redemption fee will be assessed for each airline ticket redemption, and tickets must be redeemed through our Rewards Service Center or online at wellsfargorewards.com. Wells Fargo reserves the right to cancel, alter or temporarily suspend the Program at any time without notice. The terms of the Program are void where prohibited by law. Some restrictions may apply. See Business Card Rewards Terms and Conditions for details at wellsfargorewards.com.

Offer valid 01/01/19 – 03/31/19. Receive an introductory rate of 0% on purchases and balance transfers (excluding any fees or interest posted to the account, and cash advances) for the first nine months after account opening. The introductory rate is valid as long as a default does not occur under the Business Credit Card Customer Agreement. You will be assigned an interest rate for purchases at account opening that may range from Prime + 7.99% to Prime + 17.99%. The interest rate for cash advances will be Prime + 24.70%. The assigned purchase rate will become effective after the expiration of the nine-month introductory period 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. Each balance transfer transaction will be assessed a 4% fee of the amount transferred ($10 minimum). Payments will be applied to balances at lower rates before balances at higher rates. You may not transfer balances from other from Wells Fargo accounts. Prime rate, which is subject to change, refers to Bank’s announced Prime Rate which is 5.50% as of 12/20/18.

There is no annual rewards program fee. If you select the Wells Fargo Business Card Rewards® Cash Back Program option, you will earn 1.5% on net purchases (purchases less returns and credits, and excluding balance transfers, cash advances, or any fees or interest posted to the account) for the life of the account. Earned cash back is credited quarterly (March, June, September, and December) to your Wells Fargo Business Credit Card account or to an eligible business checking or savings account. The cash back earned and transferred to the primary Business Card account from employee card accounts in March, June, September, and December cycles will not be credited until the following cycle month for companies with individual billing. There is no limit to the cash back earned.

There is no annual rewards program fee. If you select the Wells Fargo Business Card Rewards Points Program, you will earn one point for every dollar spent on net purchases (purchases less returns and credits, and excluding balance transfers, cash advances, or any fees or interest posted to the account) for the life of the account. To earn the monthly 1,000 bonus points, your total Company spend must be a minimum of $1,000 in net purchases in a billing cycle. For companies with individual billing, bonus points calculation is based on owner points earned in the current statement cycle, plus employee points earned in the previous statement cycle. Bonus maximum is 1,000 points per company per month.

A $24 redemption fee will be assessed for each airline ticket redemption, and tickets must be redeemed through our Rewards Service Center or online at wellsfargorewards.com. Wells Fargo reserves the right to cancel, alter or temporarily suspend the Program at any time without notice. The terms of the Program are void where prohibited by law. Some restrictions may apply. See Business Card Rewards Terms and Conditions for details at wellsfargorewards.com.

Offer valid from 01/01/19 to 03/31/19. Customer must enroll in the Wells Fargo Business Elite Card Rewards® Cash Back Program at the time of application to be eligible to receive the one-time bonus. To qualify for the one-time $1,000 cash back bonus, a total of at least $15,000 in net purchases (purchases less returns and credits, and excluding balance transfers, cash advances, or any fees or interest posted to the account) must post to your Wells Fargo Business Elite Card account within the first 3 months after the account opening date. The $1,000 cash back bonus will be posted to the account 1-2 statements after the spend requirement is met, and will be paid out during quarterly distribution. You must remain in the cash back program for the full duration of the introductory period (3 months) in order to receive the $1,000 cash back bonus. If you switch or cancel rewards programs during the introductory period, you forfeit the applicable rewards bonus. This offer is not available if the business already has a Wells Fargo business credit card or had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.

Offer valid from 01/01/19 to 03/31/19. Customer must enroll in the Wells Fargo Business Elite Card Rewards Points Program at the time of application to be eligible to receive the one-time bonus. To qualify for the 100,000 bonus points, a total of at least $15,000 in net purchases (purchases less returns and credits, and excluding balance transfers, cash advances, or any fees or interest posted to the account) must post to your Wells Fargo Business Elite Card account within the first 3 months after the account opening date. The 100,000 bonus points will be posted to the account 1-2 statements after the spend requirement is met. You must remain in the points program for the full duration of the introductory period (3 months) in order to receive the 50,000 bonus points. If you switch or cancel rewards programs during the introductory period, you forfeit the applicable rewards bonus. This offer is not available if the business already has a Wells Fargo business credit card or had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.

A $75 annual rewards program fee applies and is waived for the first year only. If you select the Business Elite Card Rewards Cash Back Program option, you will earn 1.5% on net purchases (purchases less returns and credits, and excluding balance transfers, cash advances, or any fees or interest posted to the account) for the life of the account. Earned cash back is credited quarterly (March, June, September, and December) to your Wells Fargo Business Elite Card account or to an eligible business checking or savings account. The cash back earned and transferred to the primary Business Elite Card account from employee card accounts in March, June, September, and December cycles will not be credited until the following cycle month for companies with individual billing. There is no limit to the cash back earned.

A $75 annual rewards program fee applies and is waived for the first year only. If you select the Business Elite Card Rewards Points Program, you will earn one point for every dollar spent on net purchases (purchases less returns and credits, and excluding balance transfers, cash advances, or any fees or interest posted to the account) for the life of the account. To earn the monthly 5,000 bonus points, your total Company spend must be a minimum of $10,000 in net purchases in a billing cycle. For companies with individual billing, bonus points calculation is based on owner points earned in the current statement cycle, plus employee points earned in the previous statement cycle. Bonus maximum is 5,000 points per company per month.

A $24 redemption fee will be assessed for each airline ticket redemption, and tickets must be redeemed through our Rewards Service Center or online at wellsfargorewards.com. Wells Fargo reserves the right to cancel, alter or temporarily suspend the Program at any time without notice. The terms of the Program are void where prohibited by law. Some restrictions may apply. See Business Elite Card Rewards Terms and Conditions for details at wellsfargorewards.com.

Apply for a Wells Fargo unsecured business loan (which includes Wells Fargo BusinessLoan Term loan or FastFlex Small Business Loan) account between 1/1/2019 to 3/31/2019, and upon approval, Wells Fargo will waive the $150 opening fee charged at funding. FastFlex Small Business Loans require an existing Wells Fargo Business Demand Deposit account for at least 12 months to qualify. We evaluate each application on its merits. All credit decisions are subject to credit approval.

As of December 7, 2018, Unsecured Business Loans rates range from 8.25% to 22.99% and will be based on the specific characteristics of your credit application including, but not limited to, evaluation of credit history and amount of credit requested. The interest rate is fixed for the life of the loan. Please talk to a banker for information on the most current rates.

Instant decision based on approvability. Some applications will result in a pending status, which requires further review before final decision is rendered.

Wells Fargo will waive the $150 documentation fee normally charged at funding for customers who submit an application for a new Equipment Express loan account between 1/1/2019 to 3/31/2019. You must access funds from the Equipment Express loan account within 60 days of account opening. All credit decisions are subject to credit approval.

As of December 7, 2018, vehicle loan rates start at 7.00% based on term length, credit history, and vehicle being financed. As of December 7, 2018, equipment loan rates start at 7.50% based on term length, credit history, and equipment being financed. Rates assume automatic payment from an eligible Wells Fargo business checking account, and may be higher if the borrower fails to provide collateral, or an account default occurs. Please talk to a banker for information on the most current rates.

Based upon analysis of competing U.S. lenders as compiled by an independent third party research firm on a quarterly basis.

Offer valid 01/01/19 to 03/31/19. Apply for a new Business Line of Credit and, upon credit approval, the annual fee is waived for the first year only. The annual fee of $95 (if line amount is $10,000–$25,000) or $175 (if line amount is more than $25,000) will be assessed on your anniversary month in subsequent years. No annual fee is charged if line amount is less than $10,000.

You may qualify for a Wells Fargo Small Business Advantage line of credit with a line from $5,000 - $50,000. Speak with a banker for more information.

Prime refers to the rate that Wells Fargo announces from time to time as its Prime Rate. The Wells Fargo Prime Rate is subject to change at any time.  The overall rate assigned is variable and is expressed as Prime plus a spread. Rates are subject to change after booking.

You may qualify for an unsecured business line of credit with a line from $5,000 - $100,000. Speak with a banker for more information.

Interest-only payments are only during the one-year draw period. If the loan is not renewed. The balance will be converted to a fully-amortized 5-year loan.

Based upon analysis of competing U.S. lenders as compiled by an independent third party research firm on a quarterly basis. Subject to a 5% floor rate.

You will need to pay a deposit of up to $1,000 when accepting the terms of any loan. The deposit is nonrefundable, unless the loan closes or the line of credit opens, in which case the unused portion of the deposit (if any) will be returned or credited to you after closing. If environmental insurance is required, you will be responsible for this one-time fee of $1,866. You will also be responsible for the cost of any mortgage or deed of trust filing fee imposed by a state or other taxing authority. In states that require attorney closings, you will be responsible for title-related costs and attorney title work that exceeds $375. For purchase loans, you will be responsible for title and escrow fees. In addition, for purchase loans you will need to provide proof of funds for any required down payment. All financing is subject to credit approval.

Low closing costs is based upon analysis of application, appraisal, and origination fees for competing U.S. lenders as compiled by an independent third party research firm on a quarterly basis.

The index for the Prime-Based loan is the Wells Fargo Prime Rate. The interest rate for the loan will be adjusted with each change in the Wells Fargo Prime Rate. The payment will be fixed for 12 months and adjust only once per year on the anniversary of the loan. Any over or under payment of accrued interest resulting from a rate change, will be applied to the borrower’s balance. The re-amortized payment will be calculated annually, using the remaining term, current balance and Wells Fargo Prime Rate then in effect. Restrictions may apply.

We'll match or beat a competing offer (rate and fee combination), when a competitor's formal written approval is provided to us, or pay you $200.

For a limited time, Business Real Estate Financing is offering an introductory variable rate of Wells Fargo Prime Rate + 0% on balances for approved Commercial Equity Line of Credit applications received from 1/1/2019 through 3/31/2019. The introductory rate will be applicable for 12 months as long as no default occurs under the Customer Agreement. At the end of the introductory period, the rate will become Wells Fargo Prime Rate + the margin provided at the time of account approval. Prime, which is subject to change, refers to Bank’s announced Prime Rate which is 5.50% as of 12/27/2018. All financing is subject to credit approval.

The index for the prime-based equity line of credit is the Wells Fargo Prime Rate. Payments during the 5-year draw period are calculated based on 15-year amortization where the monthly payment will adjust whenever there is a change in the prime rate. During the 15-year repayment period, the interest rate will adjust when prime rate changes, but the monthly payment will only adjust annually.