Wells Fargo Secured BusinessLine Line of Credit

A secured financing solution designed to help you build business credit

The Wells Fargo Secured BusinessLine® line of credit is designed to help you build or rebuild business credit with Wells Fargo.  Key features of this secured line include:

  • Rates as low as Prime + 1.00%
  • Access to credit from $5,000 to $100,000
  • A MasterCard® access card and free checks to manage business expenses


Ready to get started? Apply in Person

This line of credit is ideal for businesses looking for a secured financing solution to supplement cash flow, take advantage of unexpected business opportunities, expand your business, or cover expenditures.

Product snapshot

  • Terms. Revolving line of credit.
  • Rates. Rates as low as Prime + 1.00%.
  • Collateral. Secured by a Wells Fargo savings or CD account. Rate and line size are determined by collateral amount.


  • Opening fee. $150 on approval.
  • Annual fee. No fee for the first year. $50 annually beginning the second year and beyond.
  • Cash advance. No cash advance fees unless over the counter or at an ATM.

Access funds a number of ways with your Secured BusinessLine line of credit. Features include: 

  • MasterCard® access card. Use your MasterCard access card for online purchases.
  • Credit protection. Enroll and protect your business in the case that a protected event occurs.
  • Automatic payments. Set up automatic payments from your business checking account to your Secured BusinessLine account.
  • Business bill pay. Pay any company or individual in the U.S. from your business or personal accounts. 

Also, use a Secured BusinessLine line of credit for: 

  • Unexpected business opportunities and trade discounts
  • Coverage for seasonality, slow receivables, or operational costs
  • Streamlined expense tracking that keeps your business and personal expenses separate

This line of credit will be secured by your Wells Fargo savings or CD account. Your deposit account will be used as collateral. The funds will remain in the existing deposit account and continue to earn interest. 

  • Lower interest rate.  Since the Secured BusinessLine account is collateralized, the interest rate will be lower than a comparable unsecured line of credit.  
  • You determine the line size.  The amount of collateral pledged will determine the credit amount.
  • Flexible. Make changes to the line size as your business needs change.

It's fast and easy to apply. Simply collect the business information listed below and apply in person or give us a call at 1-800-416-8658

Business information 

  • Business name
  • Business address (no P.O. Box)
  • Business phone number
  • Business fax number
  • Tax Identification Number or Social Security Number
  • Date your business was established
  • Ownership type
  • Number of owners
  • Gross annual revenue or sales
  • Business banking account number(s) and balance(s) 

Business owner information 

  • Name
  • Home address
  • Home phone number
  • Social Security Number(s)
  • Citizenship
  • Date of birth
  • Percentage of ownership
  • Annual household income
  • Personal savings and/or checking account number and balance(s)
  • CD or savings account number being used for collateral 

Contact information 

  • Primary contact (must be an owner of the business)
  • Primary contact phone number
  • Primary contact email address
Watch this video to help determine whether a business line of credit is right for you.

Is a business line of credit right for your business?

  • Learn more about the range of uses
  • Compare secured and unsecured lines of credit

Watch our video