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Wells Fargo Business Lines of Credit

Wells Fargo BusinessLine Line of Credit details
  • New customer offer: No 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

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 a 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 one 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% 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®.

Customer Agreement

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

  • 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. 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®.

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
The Wells Fargo Prime Rate is 5.50% as of 07/28/2022.

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.