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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
Things to consider when preparing to apply for an unsecured business line of credit:
- Typically, guarantors have a FICO® Score of at least 680 at time of application.
- A BusinessLine line of credit account requires personal guarantees from any owner with 25% or more ownership in the applicant business, with a minimum combined aggregate of 51% ownership.
- A Small Business Advantage line of credit account requires personal guarantees from any owner with 20% or more ownership in the applicant business, with a minimum combined aggregate of 51% ownership.
- Additional information related to applying for credit can be found at our Small Business Resource Center:
All business applicants are unique and some exceptions may apply. All applications are subject to final credit approval.
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.
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.
Additional Features
Applies to both Wells Fargo BusinessLine line of credit and Wells Fargo Small Business Advantage line of credit products.
- Mastercard® access card.
- Business Bill Pay. Pay any company or individual in the U.S. from your business or personal accounts.
- Automatic payments. Set up automatic payments from your business checking account.
- Overdraft Protection. Enroll in Overdraft Protection and link to your Wells Fargo Business Checking account.
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 NowApply now online for up to $100,000. For line requests over $100,000 please contact your relationship manager or a Wells Fargo Branch.
