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Wells Fargo Unsecured Business Lines of Credit

Wells Fargo BusinessLine Line of Credit details

Wells Fargo BusinessLine® line of credit for customers in business two or more years

  • New customer offer: No annual fee for the first year
  • $10,000 to $150,000 revolving credit line
  • Rates as low as Prime + 1.75%
  • Automatic enrollment in a free rewards program

Wells Fargo Small Business Advantage® line of credit for customers in business less than two years

  • No annual fee
  • $5,000 to $50,000 revolving credit line
  • Rates as low as Prime + 4.50%
  • Automatic enrollment in a free rewards program

Apply now and we will match your request to the appropriate line of credit based on product eligibility.

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

Details and Fees

Apply now and we will match your request to the appropriate line of credit based on product eligibility.

BusinessLine line of credit:

  • For customers in business two or more years.

Details

  • Amounts. Credit lines from $10,000 to $150,000.
  • 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% or more of the applicant business, and a minimum combined aggregate of 51% ownership.

Fees

  • Annual fee. The annual fee is waived for the first year only. An 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.
  • 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.

Customer Agreement

Small Business Advantage line of credit – backed by U.S. Small Business Administration (SBA)

  • For customers in business less than two years.

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 + 4.50%; interest charged when you use the account.
  • Collateral. None needed.
  • Guarantors. Requires personal guarantees from any owner with 20% or more of the applicant business, and a minimum combined aggregate of 51% ownership.
  • Must meet U.S. SBA requirements. Household personal liquid assets less than $500,000. For-Profit businesses only.

Fees

  • Annual fee. No annual fee.
  • Cash Advance Fee. No fee for ATM, over the counter transactions from a bank or financial institution, access checks, online transfers, Bill Pay or telephone transfers. 4% ($10 minimum) fee for wire transfer transactions and for Casino Cash/Quasi Cash transactions when using the Small Business Advantage Mastercard® access card.

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 qualifying purchases using your Mastercard access card.
  • Receive 1,000 bonus points every monthly billing period you have $1,000 or more in qualifying purchases.
  • Get a 10% points credit every time you redeem online (10% of redemption value).
  • Redeem your points for travel, gift cards, merchandise, and much more.
  • View all rewards

Apply now and we will match your request to the appropriate line of credit based on product eligibility.

Apply Now


Apply now online for up to $100,000. For line requests over $100,000 please contact your relationship manager or a Wells Fargo Branch.

The Wells Fargo Prime Rate is 7.50% as of 12/15/2022.

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.