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Commercial Equity Line of Credit

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

Great For

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

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, or car wash
    • Convenience store
    • Dental or medical facility
    • Funeral home, crematorium, or mortuary
    • Gas station (no more than 10 years old)
    • Health club or 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
Call us at 1-866-631-7443 Mon – Fri: 6:00am – 6:00pm PT

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.