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Includes Wells Fargo BusinessLine® line of credit and Wells Fargo Small Business Advantage® line of credit
Depending on your eligibility and credit qualifications, you may qualify for 1 of the following:
Applies to both Wells Fargo BusinessLine line of credit and Wells Fargo Small Business Advantage® line of credit products.
Applies to both Wells Fargo BusinessLine line of credit and Wells Fargo Small Business Advantage® line of credit products.
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.
Offer valid 07/01/2021 - 12/31/2021. 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 to $50,000. Speak with a banker for more information.
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, which is 3.25% as of 07/01/2021. 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.
Customers are automatically enrolled in the Wells Fargo Business Line Rewards program at the time of new account opening, with no annual program fee. One dollar spent using the Mastercard access card earns one Business Line Rewards point, based on qualifying purchases (purchases less returns and credits), and does not include any fees posted to the account. If you have at least $1,000 in qualifying purchases, made with the Mastercard access card, on the account in a billing cycle, you will earn 1,000 bonus points. Valid as long as a default does not occur and subject to change under the Customer Agreement. Wells Fargo reserves the right to cancel, alter, or temporarily suspend the Program at any time without notice. Some restrictions may apply. See the Wells Fargo Business Line Rewards Program Terms and Conditions for details at wellsfargo.com/businessrewards.
There's no monthly service fee to use Bill Pay. Charges may apply, however, for the Wells Fargo Same Day Payments ServiceSM. Please refer to our fees page for fees associated with our online services. Account fees (e.g. monthly service, overdraft) may also apply to your account(s) that you make Bill Pay payments from. Please refer to the Account Agreement, including the Fee and Information Schedule, applicable to your account(s).
Subject to account eligibility requirements. Refer to your Customer Agreement for details about Overdraft Protection advances and applicable fees. For information about overdraft services, visit www.wellsfargo.com/checking/overdraft-services/.
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 wellsfargo.com/businessrewards.
The offer varies based on merchants participating in the Earn More Mall® site. Earn More Mall bonus points are earned on qualifying purchases (purchases minus returns/credit) only at the participating merchants. To see the complete Terms and Conditions, please visit Earn More Mall.
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. See Terms and Conditions for details at account opening.
Wells Fargo Bank, N.A. Member FDIC.
LRC-0721
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.
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