Wells Fargo Business Lines of Credit

Wells Fargo BusinessLine Line of Credit details
  • New customer offer: 3.99% fixed interest for first 12 month; $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

Best For

  • Supplementing cash flow
  • Expanding your business
  • Covering unexpected expenses

Other Features

  • Mastercard® access card
  • Easy-to-use checks
  • Access online or by phone
  • No foreign transaction fees

Fees and Rates

Depending on eligibility, you could qualify for 1 of the following:

  • Wells Fargo BusinessLine® Line of credit: Ideal for businesses in operation for 2+ years.
  • Wells Fargo Small Business Advantage® Line of credit: Ideal for businesses in operation for less than 2 years.


  • Annual fee. $0 for lines of credit $5,000 – $9,999; $95 for lines of credit $10,000 – $25,000; $175 for lines of credit $25,001 – $100,000.
  • Cash advance fee. No cash advance fees when using the BusinessLine Mastercard unless over the counter or at an ATM (excludes SBA).


  • Amounts. Credit lines from $5,000 to $100,000.
  • Terms. Revolving line of credit, no scheduled annual review (5-year term for Small Business Advantage).
  • Rates. Rates as low as Prime + 1.75%; interest charged when you use the account.
  • Collateral. None needed.

Additional Features

Wells Fargo Business Line Rewards Program

Wells Fargo unsecured business line of credit includes exclusive rewards with no annual program fee, no cap or categories to keep track of. Use your Mastercard access card to make purchases from your line of credit. See how easy it is to earn points and redeem them for thousands of great items.

  • Earn 1 point for every $1 in net purchases using your Mastercard
  • Receive 1,000 bonus points every monthly billing period you have $1,000 or more in net purchases.
  • Get 10% bonus every time you redeem your points online.
  • Redeem your points for travel, gift cards, merchandise, and much more.
  • Earn extra bonus points or discounts from Earn More Mall retailers.
  • View all rewards