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Wells Fargo Small Business Advantage® Line of Credit

With access up to $100,000, the Wells Fargo Small Business Advantage Line of Credit offers the flexibility of having cash on hand for any business need, combined with the security having a Small Business Administration-backed financial solution.
Ideal ForEstablished (at least 2 years old) for-profit businesses that want to build business credit, and have access to cash at lower rates for expansion, capital improvements, purchasing inventory and more. Businesses must meet SBA guidelines.
How it WorksUse your Wells Fargo Small Business Advantage MasterCard® to make business purchases at retailers, online and anywhere else MasterCard is accepted.

You can also use free personalized Wells Fargo Small Business Advantage checks to pay vendors or employees, make purchases and more from your line of credit account with no cash advance fees.
Does it work for you?Ask a Business Banker. Call 1-866-838-5051 ext 4499.

Additional Information

Credit Amount$5,000 to $100,000
TermsUnsecured Revolving Line of Credit that matures after 5 years.
CollateralNone needed — this is an unsecured line of credit.
  • Opening Fee: You can get the opening fee waived when you open a Wells Fargo Business Services® Package or pay an Opening Fee based on your Line of Credit:
    • $0 for Lines of Credit under $10,000
    • $150 for Lines of Credit $10,000 to $25,000
    • $250 for Lines of Credit over $25,000
  • Annual Fee:
    • 1st Year: None required.
    • 2nd through 5th year: $150 annually.
Underwriting Requirements
  • Personal guaranties by all owners of 20% or more.
Financing Provided by Wells Fargo.
Additional Features
  • Automatic Payments: Automatically make payments on your Small Business Advantage Line of Credit account from your business checking at your convenience.
  • Overdraft Protection: Link your Small Business Advantage Line of Credit account to your Wells Fargo business checking account.
  • Wells Fargo Business Online® Banking: Access your accounts, view your statements online anytime for free with Business Online Banking.
  • Wells Fargo Business Bill Pay1: Pay bills directly from your Small Business Advantage Line of Credit account at no additional charge (a Wells Fargo business checking account is required).
For More Information
  • Review our Frequently Asked Questions.
  • Compare our lines of credit.
How to Apply
Wells Fargo and the Small Business Administration have partnered to provide businesses with secured SBA-backed financing options. Choose from several loan options and get access to up to $4 million in funding for your small business. For more information, call 1-866-838-5051 ext. 4499.
New, first-time Business Bill Pay users will not incur monthly fees for two months, starting the month you make your first payment with the service. Monthly fees are $6 per monthly billing cycle beginning the first month you make a payment (includes 25 payments; each additional payment costs $0.40). Monthly fees are waived when you have a qualifying checking account or maintain at least $25,000 in combined balances in your qualifying business and personal accounts at all times. For more information about eligible and qualifying accounts, read our Bill Pay Fee Waiver. Charges may apply for same-day payments. Account fees (e.g. monthly service, overdraft, excessive usage) may apply to the account used to make Bill Pay payments. For more information on account fees, please refer to the account agreement you received when you opened your account.