Wells Fargo Business Lines of Credit

Unsecured financing to capitalize on business opportunities

Designed to meet the unique needs of businesses like yours, business lines of credit provide flexibility with:

  • Rates as low as Prime + 1.75%
  • Access to credit from $5,000 to $100,000
  • Mastercard® access card and free checks
Ready to get started? Apply Now

Wells Fargo 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.

Your options

  • Wells Fargo BusinessLine® Line of Credit. Our standard unsecured line of credit.
  • Wells Fargo Small Business Advantage® Line of Credit. 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.


  • Credit amount. Lines from $5,000 to $100,000.
  • Terms. Revolving line of credit (5 year term for Small Business Advantage).
  • Interest rates. Rates as low as Prime + 1.75% depending on credit evaluation (interest is charged only when account is used).
  • Collateral. None needed. This is an unsecured line of credit.


  • Opening fee. $150 on approval ($250 for lines over $25,000).
  • Annual fee. No fee for the first year. $150 annually beginning the second year and beyond.
  • Cash advance fee. No cash advance fees when using the BusinessLine Mastercard unless over the counter or at an ATM (excludes SBA).

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

  • MasterCard® access card. Use your MasterCard access card for purchases.
  • Credit protection. Enroll and protect your business in the case that a protected event occurs (Wells Fargo BusinessLine® line of credit only).
  • Automatic payments. Set up automatic payments from your business checking account to your business line of credit account.
  • Overdraft protection. Enroll in overdraft protection by linking your Wells Fargo credit account to your Wells Fargo Business Checking account.
  • Business bill pay. Pay any company or individual in the U.S. from your business or personal accounts. 

Also, use a business line of credit for: 

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

It's fast and easy to apply. Simply collect the business information listed below and apply now 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) 

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