BusinessLine® line of credit
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.
Mastercard® access card
Conveniently make purchases using your access card and earn points
Automatic payments and Bill Pay
Set up automatic payments and Bill Pay to pay any company or individual in the U.S. from your business account
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.
Cash Advance Fee. No fee for access checks, online transfers, Bill Pay or telephone transfers. 3% ($10 minimum) fee for ATM and over the counter transactions from a bank or financial institution. 4% ($10 minimum) fee for wire transfer advances and for Casino Cash/Quasi Cash transactions when using the BusinessLine® Mastercard® access card.
View customer agreement
There’s no annual fee for the first year.
After that, it’s $95 for lines between $10,000 and $25,000 and $175 for lines over $25,000.
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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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.
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).
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 https://www.wellsfargo.com/biz/help/faqs/overdraft-services.
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Wells Fargo Bank, N.A. Member FDIC.
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