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Wells Fargo BusinessLine® Line of Credit

Designed to meet the unique needs of businesses like yours, the BusinessLine line of credit gives you the flexibility to:
  • Access to up to $100,000 cash for any business purpose quickly and conveniently.
  • Save on interest and fees since this unsecured line of credit offers great cash rates and no
    cash advance fees.
  • Streamline expense tracking by keeping your business and personal expenses separate.
Ideal ForEstablished (at least 2 years old) businesses looking for an unsecured financing solution to supplement cash flow, take advantage of unexpected business opportunities, expand your business or cover for any business expenditure.
How it WorksGet fast, convenient access to up to $100,000 cash without fees1 when you use free personalized BusinessLine checks to pay vendors or employees, make larger purchases and more from your line of credit account.

Or, access your line of credit with the BusinessLine® MasterCard® access cards and make business purchases at retailers, online and anywhere else MasterCard is accepted. Get up to four personalized access cards, so all owners of your business can access your line of credit.
Does it work for you?Ask a Business Banker. Call 1-800-416-8658.

Additional Information

Credit AmountLines of credit from $10,000 to $100,000.
TermsRevolving line of credit.
CollateralNone needed — this is an unsecured line of credit.
Fees
  • Opening Fee: $150 on approval ($250 for lines over $25,000) required. Get the opening fee waived when you open a Wells Fargo Business Services® Package.
  • Annual Fee
    • 1st Year: None required.
    • 2nd Year and beyond: $150 annually.
Optional Features
  • Credit Protection: If you experience an event that disrupts your business, such as disability, natural disaster, or equipment failure, we will apply a credit to your outstanding balance for up to 12 months.
  • Automatic Payments: Automatically make payments on your BusinessLine account from your business checking at your convenience.
  • Overdraft Protection: Link your BusinessLine 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 Pay2: Pay bills directly from your BusinessLine 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.
 
1 A cash advance fee of 3% of the amount of the advance ($10.00 minimum, no maximum) applies to cash advances using an ATM or over the counter using the BusinessLine access card (MasterCard). No cash advance fee applies to using BusinessLine checks or moving funds online or by phone.
2
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.