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Commercial Equity Line of Credit

Commercial Equity Line of Credit details
  • Available to established Wells Fargo customers for their owner-occupied property
  • $50,000 to $500,000 credit line
  • No escrow, title policy, or lender closing costs
  • No appraisal fee, 1% origination fee due at closing
  • Low closing costs and competitive rates

Great For

  • Funding property improvements
  • Expanding your business
  • Purchasing large equipment

Other Features

  • Flexibility of a revolving line of credit
  • Second lien position available on most property types
  • Rate and fee match assurance so you are confident with the offer you are provided


Annual fee. Waived the first year, then 0.25% of the line amount during the 5-year draw period (with a minimum of $250 and maximum of $1,000)

Early closure fee. $3,000 if closed within the first 3 years

Eligible Property Types

  • Office
  • Retail
  • Warehouse
  • Light industrial
  • Mixed-use
  • Multi-family (5+ units)
  • Commercial Condo (first lien position only)
  • Special purpose (first lien position only)

    • Generally accepted special purpose

    • Auto repair/auto body/car wash
    • Convenience store
    • Dental or medical facility
    • Funeral home/crematorium/mortuary
    • Gas station (up to 10 years old)
    • Health club/gym
    • Ice or roller skating rink
    • Movie theater
    • Parking garage
    • Refrigerated warehouse
    • Restaurant
    • School (non-public, daycare, or preschool)
    • Self-storage facility
    • Skilled nursing or assisted living facility

Why an 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.