BusinessLine® line of credit
Quick access to cash when you need it
Explore the details of the BusinessLine® line of credit
$175, waived the first year
No fees for checks, transfers, and Bill Pay
Unsecured revolving line of credit
No annual review
Requires personal guarantees
For requests over $100,000, please contact your relationship manager or visit a branch.
Key features and benefits
Short-term working capital
Cover inventory, payroll, repairs, maintenance, and unexpected expenses.
Express application process
Request up to $50,000 for faster processing and quicker access to cash.
Convenient account access
Access your funds by check, online or phone transfer, Mastercard© access card, or Bill Pay.
Overdraft protection
Enroll in Overdraft Protection and link to your Wells Fargo Business Checking account.
Business lines FAQs
Unsecured lines of credit don’t require collateral, like a house or a savings account, to back it up.
online transfers, Bill Pay, telephone transfers, or ATM and over-the-counter transactions. A 4% ($10 minimum) fee applies to wire transfer advances and quasi-cash transactions when using the Mastercard® access card. Refer to your Customer Agreement for details.
the first year only. The annual fee of $175 will be assessed on your anniversary month in subsequent years.
Our unsecured lines of credit are revolving. This means that you can borrow, repay, and borrow again, up to the set credit limit.
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The BusinessLine® line of credit is available for businesses in operation for six months or more.
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 the 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 Wells Fargo's (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.
There's no monthly service fee to use Bill Pay. Account fees (e.g., monthly service) may apply to your account(s) that you make Bill Pay payments from. We don’t charge overdraft fees on Bill Pay transactions, but Bill Pay transactions can contribute to overdrafts. For example, if a Bill Pay payment reduces the available balance in your selected payment account, this can affect debit card purchases, checks, and other transactions that are presented to us for payment. These other transactions might be subject to overdraft fees under the terms of your account. Please refer to the Account Agreement, including the Fee and Information Schedule, applicable to your account(s).
Line size up to $50,000 with the Express option. Higher line sizes also available. Subject to credit approval. Terms apply.
Applications with request amounts up to $50,000 are typically processed faster than higher line requests. Individual experience may vary based on your credit application. Subject to credit approval.
No fee for access checks, online transfers, Bill Pay, telephone transfers, or ATM and over-the-counter transactions. A 4% ($10 minimum) fee applies to wire transfer advances and quasi-cash transactions when using the Mastercard® access card. Refer to your Customer Agreement for details.
Terms and conditions apply. Mobile carrier's message and data rates may apply. See Wells Fargo's Online Access Agreement for more information.
Subject to account eligibility requirements. Advances from linked credit accounts accrue interest from the date of each advance. Refer to your Customer Agreement for details about Overdraft Protection advances. For information about overdraft services, visit wellsfargo.com/biz/help/faqs/overdraft-services.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
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