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Wells Fargo Business Lines of Credit

COVID-19 Update

We are temporarily suspending new applications for some small business lending products to support our commitment to the Paycheck Protection Program. We apologize for the inconvenience.

Understand Your Options

Wells Fargo BusinessLine Line of Credit details
  • $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

Great 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

Simple Application Process

  • Apply now and we will match you to the Unsecured Business Line of Credit product that we believe best fits your credit qualifications, including time in business, deposit balances, household income and/or annual sales.
  • One easy application whether you are new, young or established business or want to build business credit with Wells Fargo.

Details and Fees

Depending on your eligibility and credit qualifications, you may qualify for 1 of the following:

Wells Fargo BusinessLine® Line of credit:

  • Ideal for businesses in operation for 2+ years with established business credit.

Details

  • Amounts. Credit lines from $10,000 to $100,000.
  • Terms. Revolving line of credit, no scheduled annual review.
  • Rates. Rates as low as Prime + 1.75%; interest charged when you use the account.
  • Collateral. None needed.
  • Guarantors. Requires personal guarantees from any owner with 25% and a minimum combined aggregate of 51% of the applicant business.

Fees

  • Annual fee. $95 for lines of credit $10,000 - $25,000; $175 for lines of credit $25,001 - $100,000.
  • Cash Advance Fee. 3% fee for ATM and over the counter transactions using the BusinessLine Mastercard.  No fee for access checks, online transfers, online bill pay or telephone transfers.

Customer Agreement

Wells Fargo Small Business Advantage® Line of credit (backed by U.S. Small Business Administration)

  • Ideal for businesses in operation for less than 2 years.
  • Establishing or re-building business credit with Wells Fargo.

Details

  • Amounts. Credit lines from $5,000 to $50,000.
  • Terms. 5 year revolving line of credit, no scheduled annual review.
  • Rates. Rates as low as Prime + 1.75%; interest charged when you use the account.
  • Collateral. None needed.
  • Guarantors. Requires personal guarantees from each owner holding 20% or more of the applicant business.
  • Must meet U.S. SBA requirements. Household personal liquid assets less than $200,000, For-Profit businesses only.

Fees

  • Annual fee. $0 for lines of credit less than $10,000; $95 for lines of credit $10,000 – $25,000; $175 for lines of credit $25,001 – $50,000.
  • Cash Advance Fee. No fee for ATM (3% fee when using Small Business Advantage Mastercard for Casino Cash), over the counter transactions, access checks, online transfers, online bill pay or telephone transfers.

Customer Agreement

Additional Features

Applies to both Wells Fargo BusinessLine® Line of credit and Wells Fargo Small Business Advantage® Line of credit products.

Wells Fargo Business Line Rewards Program

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.

  • 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 online (10% of redemption value).
  • 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