Commercial Real Estate

Commercial Purchase Loan

  • $50,000 to $750,000 loan amount
  • No application fee. No appraisal fee
  • Low 1% origination fee, maximum $5,000
  • Up to 80% loan-to-value
Commercial Purchase Loan details

Commercial Refinance Loan

  • $50,000 to $750,000 loan amount
  • No application fee. No appraisal fee.
  • Low 1% origination fee, maximum $5,000
  • Up to 75% loan to value
Commercial Refinance Loan details

Commercial Equity Loan

  • $50,000 to $500,000 loan amount
  • No application fee. No appraisal fee
  • Low 1% origination fee, maximum $5,000
  • Up to 75% loan-to-value
Commercial Equity Loan details

Commercial Equity Line of Credit

  • $50,000 to $500,000 credit line
  • No application fee. No appraisal fee.
  • Low 1% origination fee, maximum $5,000
  • Up to 75% loan to value
Commercial Equity Line of Credit details

Why a Business Platinum Credit Card?

The Business Platinum Credit Card is a revolving credit option for everyday business expenses for businesses with annual sales up to $2 million and needing fewer than 100 cards. It comes with a free rewards program and your choice of rewards points or cash back. Please view details for more information on rates, fees, and features.

Why a Business Secured Credit Card?

The Business Secured Credit Card is a revolving credit option ideal for everyday business expenses and businesses looking to establish or rebuild business credit. The Business Secured Credit Card comes with a free rewards program and your choice of rewards points or cash back. Please view details for more information on rates, fees, and features.

Why a Business Elite Card?

The Business Elite Card is a credit card for established businesses with annual sales over $1 million. It offers more purchasing power, enhanced benefits and added security to control employee spending. You can also choose to earn rich rewards points or cash back. Please view details for more information on rates, fees, and features.

Why a Wells Fargo Unsecured Business Loan?

These loans allow businesses to finance one-time expenses with the flexibility to pay over a short or longer term. One easy application to get options.

Why an Equipment Express Loan?

This loan provides buying power for established businesses to purchase new or used vehicles or equipment at competitive rates with flexible terms.

Why a secured business line of credit?

A secured business line of credit is a revolving credit option designed to help you build business credit with Wells Fargo.  It can supplement ongoing cash flow needs and be paid down and used again repeatedly over time.

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.

Why a commercial purchase loan?

Buy commercial real estate for your business, or as a real estate investor.

Why a commercial refinance loan?

Pay off an existing mortgage on a business or commercial investment property, including potential cash-out opportunities.

Why a commercial equity loan?

Use the equity in your commercial real estate to finance business expansion, equipment upgrades, and property improvements.

Why a commercial equity line of credit?

Leverage the equity in your commercial real estate for property improvements, business expansion, or the purchase of large equipment or property. Enjoy unlimited draws for the first five years.

As of March 21, 2017, Unsecured Business Loans rates start at 6.50% and will be based on the specific characteristics of your credit application including, but not limited to, evaluation of credit history and amount of credit requested. The interest rate is fixed for the life of the loan. Please talk to a banker for information on the most current rates.

Instant decision based on approvability. Some applications will result in a pending status, which requires further review before final decision is rendered.

As of March 21, 2017, vehicle loan rates start at 5.75% based on term length, credit history, and vehicle being financed. As of March 21, 2017, equipment loan rates start at 6.25% based on term length, credit history, and equipment being financed. Rates assume automatic payment from an eligible Wells Fargo business checking account, and may be higher if the borrower fails to provide collateral, or an account default occurs. Please talk to a banker for information on the most current rates.

You may qualify for an unsecured business line of credit with a line from $5,000 - $100,000. Speak with a banker for more information.

Prime refers to the rate that Wells Fargo announces from time to time as its Prime Rate. The Wells Fargo Prime Rate is subject to change at any time.  The overall rate assigned is variable and is expressed as Prime plus a spread. Rates are subject to change after booking.

You may qualify for a Wells Fargo Small Business Advantage line of credit with a line from $5,000 - $50,000. Speak with a banker for more information.

You will need to pay a nonrefundable deposit of up to $1,000 when accepting the terms of any loan or line of credit. If environmental insurance is required, you will be responsible for this one-time fee.  Your deposit will be credited toward the origination fee and the environmental insurance fee, if applicable, at closing.  If your deposit exceeds the origination fee and environmental insurance fee, or if it is not required, you will be reimbursed for any overage. You will also be responsible for any mortgage or deed of trust filing cost imposed by a state or other taxing authority.  For purchase loans, you will be responsible for title and escrow fees and need to provide proof of funds for the required down payment. In states that require attorney closings, you will be responsible for title-related costs and attorney title work that exceeds $375. All financing is subject to credit approval.

Low closing costs is based upon analysis of application, appraisal, and origination fees for competing U.S. lenders as compiled by an independent third party research firm on a quarterly basis, beginning April 2016.

The index for the Prime-Based loan is the Wells Fargo Prime Rate. The interest rate for the loan will be adjusted with each change in the Wells Fargo Prime Rate. The payment will be fixed for 12 months and adjust only once per year on the anniversary of the loan. Any over or under payment of accrued interest resulting from a rate change, will be applied to the borrower’s balance. The re-amortized payment will be calculated annually, using the remaining term, current balance and Wells Fargo Prime Rate then in effect. Restrictions may apply.

We'll match or beat a competing offer (rate and fee combination), when a competitor's formal written approval is provided to us, or pay you $200.

The index for the prime-based equity line of credit is the Wells Fargo Prime Rate. Payments during the 5-year draw period are calculated based on 15-year amortization where the monthly payment will adjust whenever there is a change in the prime rate. During the 15-year repayment period, the interest rate will adjust when prime rate changes, but the monthly payment will only adjust annually.